Mortgage

Here at A3 Mortgage, we have the right loan program for you.

Whether you looking for a Purchase, Refinance, or Specialized Loans, we can do it!
 
We are committed to quality customer service - putting the people we serve first.
We can guide you through the loan process and assist you with your mortgage financing needs for a Home Purchase, Refinance, Home Equity Line of Credit, Commercial, SBA, Hard or Private Money loans.

I have been in the Mortgage business originating loans and helping people achieve their dream of homeownership since 1998.

After working at Equifax for over 10 years I accepted an opportunity to work for a local mortgage company that was originating loans all over the United States. I was drawn to helping people save money on the current mortgage they had as well as really enjoyed being a part of the purchases of their new dream homes.

In 2003, I was the President of Vertex Worldwide Mortgage Corporation and continued to focus on helping people here in the local Tampa Bay Area with their home purchases. I have invested in and owned several businesses here in the local area as an entrepreneur. Although it may be stressful, at times it can be very rewarding. My passion for helping people with the largest investment they will make being their home then led me In 2017 I decided to join on with Acre Mortgage and in 2019 our office made the decision to join on with Innovative Mortgage. This was a great move by our office as we were able to now become part of a company that has all the tools and technology to assist us in making sure that your loan is handled above the industry’s normal to ensure that the process for the customers is smooth and a great experience.

Aside from 22 years of Mortgage Knowledge I am a father to an amazing son and was cursed by my mom 45 years ago when she said “ Someday you will have one just like yourself…” So now it is a guarantee that for the next 15 years I will be at all of the Monster Jam’s with the Monster Trucks and Friday nights that used to be for Happy Hour have now been replaced with WWE Smack Down and Pizza ! I have a Jeep Wrangler and my son and I enjoy going to the Jeep Clubs off roading events, apparently I have a son that likes MUD (not a shock there).

I have helped many people buy that dream home and in a few cases have even helped their children buy their first home. These clients have become friends. I would love the opportunity to earn your friendship and be given the ability to help you with your mortgage needs.

Mortgage Loan Specialist NMLS# 1704694

~ Construction Loans

Construction loans are used to finance the construction of a new structure. Whether you’re interested in building a brand new home for you and your family or you’re looking to construct a commercial property we can help craft a terrific lending solution. Each loan is as unique as the property you’re looking to construct.

 
~ Home Equity Loans
Home equity loans call for the borrower to acquire a new loan on an already mortgaged property using the equity you’ve built as collateral. Home equity loans are typically reserved for those looking to pay down medical or consumer debt, start a business or pay tuition. Please contact us directly if you’re interested in a home equity loan. Most states restrict the amount of money one can borrow against their home. Interest rates on home equity loans are generally higher than conventional loans.

~ Conventional Fixed Rate Mortgages (FRM)
A popular loan type, conventional fixed rate loans feature a constant interest rate for the life of the life. Generally speaking, monthly payments remain constant. Traditionally borrowers are expected to provide a 20 percent down payment though this is not necessarily required. Contact us for details on down payment requirements. Available terms generally range from 10 years, 15 years, 30 years and 40 years.

~ Adjustable Rate Mortgages (ARM)

Adjustable rate mortgages are loans where the interest rate is recalculated on a yearly basis depending on market values. As interest rates are adjusted so is the borrower’s monthly payment. While interest rates on ARM loans are generally lower than fixed rate loans they can eventually become higher. Various types of ARM loans include Hybrid ARMs such as 10/1 year, 7/1 year, 5/1 year and 3/1 year programs. Contact us for more information on adjustable rate mortgage loans.

~ Jumbo Loans
A jumbo loan, or non-conforming loan, usually means any home loan for amounts higher than $417,000. Jumbo loans feature similar loan programs to fixed rate and adjustable rate programs. There are even FHA jumbo loans. The main difference between jumbo loans and conforming loans is the interest rate. Because jumbo loans are riskier for lenders they usually have higher rates. Learn more about jumbo loans by contacting us today.

~ Refinance Mortgage Loans
Homeowners looking to decrease their interest rate may consider refinancing. A refinance calls for the homeowner to obtain another mortgage loan. Those funds are then used to pay off the original mortgage loan and the homeowner is then bound by the terms of the new mortgage. Depending on your situation a refinance loan could be a great option. Along with decreasing your interest rate, refinance loans can also help you switch from an ARM to a FRM, and in some cases reduce your loan term.

~ FHA Mortgage Loans
FHA loans are private loans insured by the federal government. These loans are popular with borrowers who don’t have enough funds to pay a traditional 20 percent down payment because they only require 3 percent down to qualify. Those who choose these loans are required to pay mortgage insurance which slightly increases their monthly payments. Lenders who wish to offer these loans must be approved by the Department of Housing and Urban Development.

~ Reverse Mortgage Loans
Reverse mortgage loans, also known as reverse equity loans, are only available to homeowners 65 or older. Like its name indicates, this program pays the homeowner either a one-time large payout or monthly installment. Once the loan term expires the house either becomes the property of the lender or the house can be sold to repay the debt. Reverse mortgage loans are great options for seniors looking to increase their monthly incomes.

~ VA Mortgage Loans
Like a FHA loan, VA loans are private loans insured by the federal government. VA loans are only available to qualified military veterans and their families. These loans are only available to these individuals for their own primary residences and cannot exceed a $417,000 loan limit.

Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Ryan originally hailed from Cleveland Ohio. His understanding of a hard day’s work was instilled in him throughout his youth by his family. He graduated from Trinity High School and continued his education by attending Youngstown State University. From there he followed his passion for motorcycles to Florida, where he attended the Motorcycle Mechanics Institute.

Running full steam into the motorcycle industry, he was hired at Jim's Harley Davidson in St Petersburg Florida. That is where he met his amazing wife, by selling her a motorcycle. While dating, he met her family and her bother in law. The rest they say at that point is history.   Her brother-in-law brought him into the mortgage processing business in 2016. From there he taught Ryan the ropes from taking a great application all the way through the closing table. Basically he worked the loan from start to finish and gained very valuable knowledge within the workings of the mortgage industry.   Ryan credits his knowledge of the full mortgage process as an asset to get his clients to the closing table with ease.  Those Brokers/Originators that only worked on the sales side of the industry have come and gone in recent years; whereas due to his knowledge of all aspects of the industry, Ryan has been able to continue to work in the industry and has maintained an active mortgage broker’s license.

Ryan is happy to have been able to help multitudes of clients purchase and finance their dream homes or save money on a rate-lowering refinance, providing them with an economical advantage and providing him with a lot of job satisfaction to this point in his career.

Ryan views that this isn't just a job, but a very satisfying and life-fulfilling “Profession” that he takes great pride in and which allows him to live in a community that he loves in St Petersburg, Florida.

Tampa Bay is an area where Ryan is always pleased to refer his clients to other business professionals and their services as well, he enjoys seeing the people and businesses around him succeed and thrive in their endeavors.

Every client is important to Ryan and he welcomes each and every contact with expert advice and complete transparency.

License No. 1461217