Patty Souza - Guarantee Mortgage

Ryan Lugbauer operates as a Senior Mortgage Advisor affiliated with ProMortgage, serving clients primarily in the San Francisco Bay Area. As a native San Franciscan, he leverages his deep understanding of the local real estate and mortgage markets to provide personalized guidance. His service philosophy centers on clarity and confidence, aiming to empower clients through every step of the home buying and refinancing process, working independently from traditional banks.

ProMortgage, through Ryan, offers a diverse portfolio of home loan products, including conventional, FHA, VA, USDA, and jumbo loans, catering to a broad range of borrower needs. They specialize in unique financing solutions such as Foreign National Loans, Asset Depletion, Bank Statement Loans for self-employed individuals, and ITIN programs. This extensive access to various investor and loan programs allows them to tailor solutions for complex financial situations.

The team is committed to maximizing client savings and ensuring competitive rates. They emphasize transparent communication and provide resources like pre-approval assistance and educational articles on topics such as bridge loans and closing costs. Their approach combines expertise with creative solutions, aiming for a seamless and stress-free experience for first-time homebuyers, investors, and realtors alike.