Ryan Kaplan

VP of Mortgage Lending
1500 Walnut St., Suite 803, Philadelphia, PA 19102
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NMLS: 144653
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Ryan was great! Available anytime of the day to answer my questions and alleviate my concerns. Thanks again Ryan!!

Antonio D. | September 2018

Guaranteed Rate made obtaining our first mortgage beyond easy. I could not be more thankful for the help of everyone on Ryan Kaplan's team. Everyone was extremely patient and very easy to communicate with. Obtaining our mortgage was the easiest part of our home buying process because Guaranteed Rate completely put our minds at ease, allowing us to focus on the other aspects of the purchasing process. I highly recommend them and will be using them for any future home purchases.

Matthew A. | August 2018

Ryan went above and beyond.

Thomas L. | July 2018

I worked with Ryan to refinance my home mortgage. He was so easy to work with - attention to every deatail, thorough, friendly, and ultra-responsive. He answered every question I had and worked hard on my behalf. I always felt like I was his top priority client and I highly recommend him.


Just wanted to say thank you for all of your assistance. I couldn't be any more satisfied with my new rate and you made the process easy. Thanks.


Ryan Kaplan has to be the hardest working man in mortgages! He was extremely responsive at all hours of the day or night, either by email or phone. Nothing seemed to rattle him! His calm demeanor combined with his extensive knowledge made the process less intimidating for a first-time home buyer! There are people who are good at what they do but are not good people per se; Ryan not only knows his stuff, he's a genuine nice guy who renews your faith in people in the mortgage industry.


Thanks for everything. This was by far the easiest mortgage process I have ever been through!!!!


As soon as you got involved, all of my stress went away. I can't imagine not having you with us at settlement.


You have really made this entire process so, so easy for us. Amazing.


We really appreciated you getting us more acclimated and comfortable with the whole mortage process and were impressed with your candid approach with fees, etc.


We also wanted to thank you again for all of your knowledge and flexibility during the process. We could not imagine a more responsive, customer friendly and most importantly competent mortgage professional! I am very grateful for your calm handling of all of my never ending questions and for your dedication to our case. It's a rarity to find someone so good and so reliable, and we are very grateful to have worked with you twice in the last couple of years.


Ryan - Can't thank you enough... I will be singing your praises for a long time. Thanks so much!


Thank you! You are the only lender that is able to get the job done on time for the buyer. Keep up the good work.

B.F. (Realtor)

Great job, I don't know how you do it when everyone else can't get it done.


Thank you Ryan, you have made this process so easy.


Thank you for everything you were really great and I really mean that, you answered every question and everything was correct.


An informed mortgage broker is the most important person in the team to buy a house. Thank you so much for sharing your knowledge and expertise with us.


I just wanted to thank you again for pulling off a miracle for us. It was a true pleasure working with you, and I look forward to continuing to do so. This is by far the most pleasant lending experience that I have after doing many loans, and I am so appreciative of your help.


When you talked about providing information to your clients, it made me think about how I talk to my clients and I think that we are cut from the same cloth. I didn't feel like you were pressuring me in any way and it sounds like you genuinely want to help so thank you for that.


I just wanted to let you know you did a great job for us, very patient with, I can't thank you enough for all of the help you had given. I was telling (our realtor) I would definitely recommend you in a heartbeat over anyone else. If any of my friends need anything you will be the first guy I recommend, thanks again, take care.


I just want to thank you for all your work done with our mortgage. You will be highly recommended mortgage specialists to all our friends.


Thank you again for your efforts. I appreciate it. It was a pleasure to work with you. I will definitely refer you and use you for myself in the future.


Thank you so, so much for literally saving our lives and working so hard to get us to closing on time. We know it was stressful for us but can't imagine what it must have been like for you. This is the home of our dreams, and we wouldn't be able to have it without both of you. We truly do appreciate your hard work, time, and efforts throughout the mortgage process - thank you again for everything! With respect & gratitude.

D. & A. F.

Settlement went awesomely. Smooth as silk. I cannot express my gratitude ... I know this wasn't an easy one so thanks for putting up with me. C and I are extremely happy...you're the man!


We are very pleased and thankful for your diligence, dedication, thoroughness, and skills.


Would like to thank you again for your time, kindness, knowledge and professionalism over the last few months ... I'm truly grateful that you took the time to help me navigate through this process. I want to sincerely thank you for all of your hard work and time involved. Thanks a billion! I can’t thank you enough!


Thanks so much for your responsiveness over the last year or so. You’ve pretty much provided us with every option available, and I appreciate that... Thanks again for your timely follow-ups and sharing good information.


Everything worked out and we will never forget buying our first home. Thanks again.


Thanks again for everything that you help us out with. You made it much easier to get the mortgage completed and I thank you for that. If I have anybody else that is looking for a mortgage I will be sending them your way.


Your response time is incredible.


Omg Ryan you did it man!!!!Thnk you soooooooo much for making it possible without you I don't think it would've been possible. Seriously I am Sooo thankful for everything you have done for us. You have no idea how grateful I feel today you helped us achieved our biggest goal!!! Thank you so much!


Thank you so much for all your work and dedication to help us to buy our house! This has been really the smoothest transaction that we have had to experience with house purchases ever. :) ... Thank you again, you really are the best


I would like to thank you for your help and effort during this process. You have provided me excellent customer service. You were always available and willing to do what it takes to make it happen. Whatever they pay you isn’t enough. You deserve a great big raise.


Thank you Ryan! You are wonderful. You just make things easy!


Thanks again for always being so thorough and taking the time to answer my endless questions! You have made this whole process so much easier, less stressful and we really appreciate it.


I just wanted to thank you for all of your help especially with the closing. I can't tell you how appreciative we are. Blessings to you and your family.


Thank you for all your help during our recent refinance process! It went so smooth and fast, that we didn't even realize that it has completed :) Going through a financial change is often a very emotional and difficult process. It gets much easier when working with a genuine and sincere person such as yourself, who puts customers' interests as a #1 priority.


I just wanted to say thank you again for making buying my house such a nice experience. Thank you for being available for questions and support at any time. I will be sure to recommend you to friends looking to buy.


Ryan, thank you first of all for being so prompt, as usual. We are so happy to be working with such a great team. I learned so many things about mortgages from you over the past couple deals we are worked on together, when other brokers don't care to teach anything. I have recommended you already to a few friends and will continue to do so. My friend was saying to me yesterday how positive her experience was with you and she was glad I recommended you to her.


About Ryan

When you are considering taking on a significant financial commitment, like buying a home or refinancing a loan, you are likely approaching one of the most important decisions of your life. And when you are choosing a loan officer to assist you, you want to know that you'll be working with someone you can trust and who has values that are important to you during what can be a stressful, complicated process.

I'd like you to learn a little bit about me as you consider your choices. When you work with me, you will have direct access to my experience—about two decade's worth. Over those years, I've learned there are many challenges that can arise during the loan process, primarily due to the number of steps and people involved. And I know from experience that working with someone who is armed with the necessary education, information, and tools to navigate the complex loan process is the surest way to successfully achieve your goals.

Although there are many people necessarily involved in a typical mortgage transaction—including realtors, loan officers, real estate lawyers, title clerks, abstract searchers, home insurance agents, banks, lenders, underwriters, credit reporting agencies, mortgage processors, financial advisors, accountants, couriers, and closers—I work with my customers personally to help navigate through the crowd and tailor loans that are right for them.

I am dedicated to treating all of my customers with honesty, integrity, and respect while providing intelligent, individualized solutions to help them meet their financial goals. I'd like to work with you.

Ryan interview Q&A

Who is your typical customer and what questions do they typically have?
I typically work with three categories of buyers. First time home buyers who have limited experience in the process of buying a home, but usually pretty knowledgeable about the area in which they are looking to buy. Repeat clients who have worked with me in the past and those who had bad experiences with other mortgage companies. And finally self-employed and savvy buyers who often times have multiple properties and need a depth of knowledge to understand how to evaluate complex tax returns.
What specific steps do you use to help your customers find the best home loan for them?
My process is pretty basic and usually similar for most of my clients when helping them evaluate their loan options. I like to talk to my clients about the price range and monthly payment targets, then work together on reviewing loan scenarios to chart out different home mortgages. I have found that having confidence in buying starts with the numbers, so this is a stage that I do not like to rush.
What are the top 3 misconceptions people have about the home loan process?
Most people think that 20% down is required to buy a home, but that could not be further from the truth. We have home loans that do not require any money as a down payment... keep in mind, there still may be closing costs. Another misconception is credit score. I have found that people sometimes think their score is awful, but then once we pull it, it's better than expected. We only need a 580 FICO to get a loan completed. The 3 most popular misconception is PMI. There are about 5 common strategies to eliminate the PMI (private mortgage insurance). Let's talk about ways to get rid of your PMI once and for all!!
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
American Cancer Society 5k Run, historic Board Member on several civic societies and business groups.
Summary of where you grew up: family, affiliations, college, high school, etc.
MBA, Villanova; MS, Information Science, Drexel University; BS Information Science with Spanish concentration, Drexel University
What provides you with the most satisfaction in your job as a Loan Officer?
Before mortgages, I was working in the technology space, often times on projects that would last months. The limited interaction made it difficult to receive feedback. My change into mortgage real estate financing was immediately different. Being able to meet with home buyers, talk about their needs, helping them get financing, and then being with them at the settlement table is such a great feeling.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
Camping, Hiking, Golf, Snowboard

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