Always a pleasure working with Ryan Hrisca and his team. I recently started working with him about a year ago and I couldn't be happier with the service and his hard work and dedication to the clients. I not only highly recommend Ryan, I recently used him for my own home loan and was able to get a great rate and close early with not a single hiccup. I've been selling real estate going on 7 years now and have worked with several lenders. ​This guy is hands down the best in the business! I will never go anywhere else for my lending needs. I'm a fan for life! read more

Ryan Hrisca - Trust in the Beard - Mortgage Brokers Near Me - Santa Ana, California

Ryan is the best! We had talked to other lenders prior to Ryan and not one informed us about the process like he did. It all started with a call just to see what we needed to work on to prepare to buy a house and in less than a month he got us funded!From the first consultation call to the very last call he explained every single step and ensured that we actually understood and if we didn't he would explain and had patience. We had a few hiccups that I'm sure with any other lender we would've gotten stuck but Ryan went above and beyond and ensured we still closed and moved into our first home. He made sure all paperwork was completed and collected at the beginning to ensure no major delays. You won't regret trusting in the beard. read more

Ryan has helped my husband and Myself many times with refinancing our home a few times. We always recommend him to friends and family because of the great and HONEST service he provides. There will always be people that do their job well or just do what they have to do. With Ryan, he goes above and beyond with finding what our best options are financially and makes sure we are comfortable in proceeding in whatever service is needed at the time. We trust his judgement completely and will always use his services and recommend him to anyone looking for a Lender. Thank you so much Ryan! -Julio & Jessica read more

As a first time home owner, I am very grateful to have had Ryan by my side the entire time. He was able to work with us for a while to help us get things in line during the preaprovel process. Ryan was very patient throughout the process as he waited for us to get our stuff together lol. The new build consultant said that Ryan was one of the best brokers she had ever worked with. The escrow process was pretty smooth, Ryan kept us educated and informed throughout the tedious task of getting everything to escrow as requested. We moved in right on time, thank you Ryan and Loan Lock. read more

Ryan Hrisca - Trust in the Beard - Mortgage Brokers Near Me - Santa Ana, California

Four months ago, I remember saying to myself 'I can't possibly be a home owner... there's no way'. One of my best friends convinced me to chat with a Ryan and I did it SEMI-reluctantly. I'll spare all of you the intricate details and instead, share with you, that I now, own a home. Ryan,,,, all fun and joking aside, you changed my life. Thank you for continually coaching me through this process. Thank you for fighting tooth and nail for me. Thank you for utilizing your immensely vast knowledge base and applying everything you could to ensure this happened for me. There's nobody in this entire world that I'll ever work with other than you (& Curtis). I thank you from the bottom and the top of my heart for taking delicate care of me, my dreams and my family. Let's do this isht again brotha! You ARE The Best! read more

We could not have asked for a better lender in the purchase of our first home. Ryan has great communication, attention to detail and crosses his T's and dots his I's to make sure everything goes as smooth as possible. read more

How do you improve perfection? It sounds crazy but, I can't lead with anything more positive when speaking about Ryan Hrisca and his team at JMJ Financial. No matter the challenge that was faced with our file, I was always confident that Ryan had our situation handled. His team of professionals at JMJ Financial consistently "stepped up" and helped my wife and I make the tough decisions that ended up putting us in a better overall position. Always professional no matter the situation, Ryan was patient and always took the time to make sure we were accurately informed every step of the way. Thank you, Ryan read more

I can't find the words to express my sincere gratitude to Ryan and Curtis. These two awesome guys helped beyond my expectation. My refinance was very different then most, and I was actually at the point of giving up. Although we had many obstacles, Ryan's perseverance and determination to get my refi complete, was a reward in the end. I would definitely recommend Ryan and his team, to anyone looking to Buy or Refinance their home. You would absolutely be in great hands. read more

Had such a wondetful experience. First and foremost we had a different lender to begin with. Needless to say that lender was not doing his job. Immediately my awesome realtor Kamesha Keesee Broker/Owner with www.4HomesAndLoans.com drop the deadweight lender and picked up a heavy hitter. Ryan Hrisca, he came in with the right attitude, the right understanding and obviously the right knowledge to get the job done. He made sure that he did not give us any false pre qualification promises. He worked expeditiously and fervently in regards to my family's loan. Needless to say we got the house; we're super excited and he made what seemed far-reaching a reality. I highly recommend this lender if you are a serious buyer! JMJ Financial read more

Ryan Hrisca - Trust in the Beard - Best financial lender in the game. - Mortgage Brokers Near Me - Santa Ana, California

My husband and I were referred to Ryan by a colleague. Although we were already working with a Lender, we came to notice quick our lender wasn't trust worthy. That's when we decided to give Ryan a call. Through our first escrow that we were in, he helped to guide us and was there for us to call when we had questions that we couldn't get answers for from our other lender. After our escrow fell through we made sure that we had Ryan as our lender. He helped us through our entire process with our second escrow and made sure that everything was clear from the beginning to the end. We couldn't imagine buying another house without Ryan as our lender. Thank you Ryan, for helping us through this journey! Without you, none of this would have been possible! read more

Ryan is simply the best. Purchasing our first home in 2016 was very stressful. Ryan went above and beyond in explaining every detail in home buying. In 2018 and 2019, Ryan again helped us in refinancing our home and making the process very read more

Ryan and his team were exceptional in processing my daughter's loan and she is now a first-time homebuyer with a mortgage interest rate of 3.25%. The window of opportunity to obtain this rate was narrow, but they made it happen. Their customer service was stellar, and Ryan promptly answered questions to keep the loan process moving toward completion. No hour was too late for him to return phone calls. The entire loan process was completed in approximately 30 days. I am so appreciative of Ryan and all he has done to make home ownership a reality for my daughter. You are the absolute best! read more

Ryan is awesome, very knowledgeable and gets things done. Also great at communication! I was working with a previous lender during my 2-3 year search and preparation for buying our first home and I was finally ready to get serious, so of course I looked for other loan officers for other advice because I didn't feel I was that prepared on the loan side or what to expect and the other guy didn't really help guide me there. I'm so glad I met Ryan. I seriously can't express that enough. After our FIRST call, he had already given me advice on how to tackle something on my credit report (a collection) that the other lender NEVER bothered to mention was even there and that it was something affecting my score pretty dramatically. Ryan helped me correct that, my credit score jumped like 20 something points. The rest of the process was a breeze with him even with the unexpected hiccups that occurred due to these crazy times we are currently in. Ryan and the team pulled through for us and worked tirelessly with reduced staff to get us closed on time!!! I cannot thank you all enough! If you're looking for a knowledge and straight to the point loan office that can take the time to guide you through the steps and remove the smoke and mirrors of the loan process, he is the guy you are looking for! Thanks again Ryan and team! read more

Ryan is the epitome of perfection! His knowledge, professionalism, and attention to detail were very much appreciated. Ryan helped me buy a home and being in the mortgage industry I know that the process is supposed to be nerve wrecking but not with Ryan! He is one step ahead of everything and he resolved any issues before I had time to worry. I highly recommend him. read more

My wife and I have finally bought our first house with the outstanding service from Ryan. He was always available for questions and would keep us up to date on any changes during the process. Even on a Sunday night! He always has his customers interest at heart and even was there during the signing of the closing papers making sure that things went smoothly. He's a great guy and we'll most likely contact him when we need to purchase again. Thanks Ryan. read more

I'm so glad we chose Ryan for our recent home refinancing. He was simply amazing and made the process super easy. He even went the extra mile to correct a bad appraisal by contacting the president of the company and work with us while we were out of the country. Thanks Ryan! read more

Ryan is as good as it gets! The refinance process can be overwhelming, but he made everything so seamless for us. He always made him self so available every time I called or text with a question. He was extremely knowledgeable, and made things happen in such a timely manner. He made it his job to ease every worry or concern I had along the way, and I appreciate his professionalism and work ethic so much. If anyone is looking to buy or refinance a home, Ryan is the Man for the job. You will definitely be glad you did. read more

Ryan is awesome!!! He is brilliant at his job and he gives it to you straight while exhausting all options to give you the best deal and price for your home purchase. Me and my husband just bought our fist home and Ryan made it all possible. He was available to answer our questions 24/7 via text, call or email. Even after we close the deal, he still keeps tabs on us making sure we're okay and letting us know that he's always there if we need anything. He's the best at his line of work. read more

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Ryan and his team are truly wonderful. The mortgage process is crazy and complicated. Ryan and his team broke everything down and made sure we understood and were comfortable with everything. Ryan was quick to respond to all questions and concerns throughout the process. We felt Ryan always made us a priority! My husband and I purchased our home during Covid-19, this caused delay of certain items, Ryan and his team stayed on top of everything during this crazy time to keep us on track and close on time. read more

Your initial thoughts when you start thinking of buying your first home are not sunshine and roses. That was the case for my husband and I. The uncertainty was definitely intimidating. During our first consult, I knew Ryan was going to make this easy. He went out of his way to make sure we were comfortable and understood everything at all times. Never did he make us feel unimportant or trivial for the questions we had. The entire process flew by! Never did we expect it to go this smoothly. Just amazing. Thank you Ryan! God Bless. read more

Ryan is the real deal. He made it so easy to buy our two homes. He got us super low rates, always kept us informed, and is a super funny guy, too. We love you Ryan! We'll be back for some re-fis soon. read more

Ryan is simply wonderful. He is very responsive to texts, calls and e-mails, even for the smallest question (and as a first time buyer, I had ALOT of questions). He thoroughly explained every aspect of the mortgage to me and I never felt like I was being pressured to buy a certain product. He was great about estimating everything out to the dollar and understood the timing to get me the best rate possible. I have referred him to multiple family members and friends as I know they'll get the same level of outstanding service. Thanks Ryan! read more

Refinancing was easy with Ryan. He's honest, forthcoming and informed. He was helpful at all hours of the day and put together a loan that worked for us. We're thankful he was able to make happen what we had been told in the past couldn't. Thanks Ryan for your diligence, communication and professionalism. read more

Ryan is the best banker out there. He's extremely knowledgeable and efficient. Ryan will take the time to answer all of your questions and go out if his way to ensure you have the best deal for you. He will always be my number one banker. read more

Every dollar and minute counts. Ryan has the knowledge and experience to know what will work to get you the loan you need. He understands the timing to make sure you get the best rate possible. He is extremely professional and earned our trust. read more

Ryan is the best mortgage banker out there. He's extremely knowledgeable and easy to work with. His communication skills and ease of information made the process so easy. He always answered his phone or responded immediately with any questions we may have had. We've used Ryan twice now and highly recommend him to everyone we know. read more

Ryan worked with my purchase and refi, coinciding the close at the same time with efficiency, professionalism and thoroughness. He was very reachable by phone, email and/or texting. I would refer out to anyone interested in purchasing or refinancing their home/townhome. He was able to maintain a strong awareness of attentiveness and urgency, while still maintaining patience and a professional demeanor. read more

Ryan is absolutely amazing. He is always available and extremely professional. Instead of choosing the easy route and just approving my husband and I, he worked with us to not only get a higher approval amount but also raise our credit. He was always honest, I would recommend him to anyone and will definitely use him in the future. read more

Ryan handled a very difficult loan for my husband and I. With his knowledge and expertise he was able to get us refinanced and payoff all our debt and still get us cash in our pockets. We were so impressed with his outstanding customer service and we felt he was very trustworthy. I can go on and on, but the bottom line is that Ryan was fantastic!!! I can't wait to do business with him in the future!! read more

As first time home buyers, we were completely unaware of what the process entailed, especially the loan piece and required documents. Luckily, we had Ryan! He was absolutely wonderful to work with, always extremely responsive and willing to talk through every single detail (even a $150 line item for homeowner's insurance pre-pay costs). He always made himself available, even if it meant through text because I needed to multi-task. His great ability to follow-up, funny personality, and expertise in the mortgage industry made him a great resource to have on our side, and I can't say enough positive things about him! read more

My wife and I decided to refinance before rates went up substantially, and we wanted to decrease our loan term to a 15 or 20 year term, so I called Ryan to see if he could help us out. And, we are extremely glad that we did. First, in the interest of full disclosure, l'm an extremely meticulous and detail oriented person, and I have substantial experience in mortgage financing arena, so I had very high expectations, and I was incredibly demanding about every little particular detail of the loan refinance process. But, Ryan was more than up to the challenge, and he worked hard to put together a great refinance deal for us. Ryan was also on top of every aspect of the transaction along the way, and he walked us through the process seamlessly. In addition, he did a great job of communicating the specific details of every step and facet of the process, and he was immediately responsive to every question and inquiry that we had. In the end, Ryan got us into a 15 year loan at a great rate, and we could not be more pleased with the service and the loan that Ryan got us. If you are looking for a mortgage loan professional who is the epitome of honesty and integrity, I highly recommend that you call Ryan. Ryan is a straight shooter that will make what is often a very challenging process as easy as possible, and he will work hard to get you the right loan that fits your particular needs. It was absolutely the best call that we could have made, and it is far and away the best loan transaction experience that we have ever had. Thank you Ryan, and your team, for all of your tireless efforts to get us exactly the right loan. read more

Ryan is absolutely awesome! We have been working with him for over a year trying to get where we needed to be financially to get a home! He never gave up on us and was always patient and easily accessible by phone or email. He always answered our calls or texts promptly and emailed back right away as well. He walked us through every step of the funding process once we picked out a home and he clearly explained everything to us with consistent updates and follow-ups. We always knew what to expect and that is all because of Ryan's excellent customer service! We just closed on our first home yesterday and none of it would be possible or simple without Ryan! Thank you so much!! read more