Elisabeth Ryan

Senior Loan Officer
6 Winter St., Suite A, Newburyport, MA 01950
Contact Elisabeth
NMLS: 441907
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Liz Ryan and her team were fantastic to work with. We gave them a very short window of time to get us loan commitment and they exceeded our expectations. Professionalism, efficiency and kindness were present every step of the process. We are extremely satisfied.

Kelly E. | July 2018

Liz Ryan was outstanding! She was responsive, thorough, and positive through a number of issues that came up along the way. It was an incredibly busy time but she kept on top of our loan process and delivered! We are very pleased to have selected Guaranteed Rate for our mortgage.

Linda L. | June 2018

Liz Ryan was outstanding! She was responsive, thorough, and positive through a number of issues that came up along the way. It was an incredibly busy time but she kept on top of our loan process and delivered! We are very pleased to have selected Guaranteed Rate for our mortgage.

Linda L.

We have bought 3 houses (this being the 3rd) in 5 years and Liz is the ultimate loan officer in knowledge and customer service. Make sure you take good care of a worker like Liz! They make your business their business and there is nothing more valuable.

Dustin M. - July | 2018

Elisabeth Ryan is the best! She helped me get through the loan process stress free. She helped me since the purchase of my first home, refinancing and now just purchased a bigger home for my family. Guaranteed Rate team is very professional and an expert in what they do.

Roan B. - June | 2018

Every single person I worked with made the whole process a breeze. In fact, it went so smoothly there literally was not a hiccup during the entire process. I am boggled when I read that people have had some sort of negative experience with Guaranteed Rate, since everything was well explained and very straight forward. Thanks again for helping me purchase my first home!

Bradley A. - June | 2018

Liz and her team were excellent! I was very happy with the outcome, but also found the rest of the process to be painless. Thank you so much!

Jessica W. - June | 2018

Liz, Brenda, Mike and Jeanette were all so great. Thank you for your attention to all our questions and getting the loan closed in a timely fashion.

Jeffrey Y. | May 2018

Liz Ryan was amazing to work with. Not only was she extremely knowledgeable, but was friendly and proactive in anticipating my questions, putting me right at ease. I have already recommended Liz and Guaranteed Rate to several of my friends because I would want them to have as good of an experience as I just had. Many thanks to Michael Caras, Jeanette Hewitt and Suanne Sullivan for their excellent service as well. A superb experience all around.

Sharon S. | November 2017

Thank you so much Liz Ryan and your amazing, experienced team with Guaranteed Rate. This us our second home purchase with you and you proved yet again why you are the best in the business. Thanks again, we are forever grateful and our boys love the new house!

Jose M. - Funded 11/17/17

Liz Ryan and her team did an outstanding job throughout the loan process. This is my first loan and she answered all questions I had and made the process very smooth for me and she's very knowledgeable about everything involved with mortgages. I'll recommend her to everyone I can! She's a fantastic loan officer!!!

David M. - 3/27/2017

Liz is awesome! I would never dream of using anybody but her for any future loan needs.

Jacob P. - 11/22/2016

Liz Ryan has been an absolute pleasure to work with. She helped us immensely and provided guidance throughout the entire process - even months in advance of when we were ready to purchase a home. I will absolutely use Guaranteed Rate again based on the excellent service provided by Liz and her team.

Dylan M. -Beverly,MA | SEP 2016

As a first time homebuyer, I am writing this letter to attest to the terrific work of Elisabeth Ryan, as a senior loan officer at Guaranteed Rate. Liz was always precise and quick with her responses to any question or concern I had for her. She would immediately get back to me with a text, email or call answering any questions I asked of her, even if it was not the first time I was asking, and it did not matter if she was busy with something or how early or late it was, she would always provide...

Rachel T.

Liz Ryan was a real pleasure to work with during this process. She helped me every step of the way through what at times can be a very stress full ordeal. Her expertise in her field was much appreciated. I would highly recommend Liz and Guaranteed Rate to any one who is looking to purchase a home.

Larry D.

Liz Ryan and her team were amazing. We were working with another mortgage lender who dropped the ball and cost us 3 weeks of time in the mortgage process and jeopardized our ability to close on time. They really worked hard on short notice to get our mortgage put together, approved, and ensure our closing date remained the same. Liz and her team have our greatest thanks and appreciation.

Timothy B.

Elisabeth was excellent! She was pleasant and knowledgeable, and worked hard to meet my needs. I never felt overwhelmed by the process, because Liz was on top of everything!

Stephen G.

Liz Ryan was a pleasure to work with. I had consulted with and asked Liz about a thousand questions relating to our mortgage options and ultimately found the one that worked for us. Liz was always available and willing to take a call to help with the process. The mortgage process was intimidating as a first time home buyer but Liz and her team put us at ease and the process went very smoothly! I'd recommend Liz and her team to anyone looking to purchase a home or refinance!

Erik F.

Thank you all so very much, you made two first time home buyers experience seamless and exciting- we had a few jitters along the way but that's expected with the unknown and we had no idea what we were doing. Again from the bottom of our hearts, Denise and I cannot thank you enough, we would not have been anywhere if not for ALL OF YOU! When we raise our celebratory glass it will be for you all also.

Kelly V

Liz what can I say, you always took the time to be there no matter what time of day when we needed your ear, you listened to our concerns and fears and talked us through all our questions no matter how many times we asked the same ones until we understood everything that would be happening, your patience, sense of humor and experience made it a pleasure and the sense of excitement never faltered that this would happen. You were in our corner since day one, you all are a great team and without...

Denise V

Elisabeth Ryan and Susan Hamilton were my main point of contacts. This is my husband and I's first house purchase, so as you can imagine we had a LOT of questions. Liz and Sue were so helpful and patient throughout the whole process. Liz went above and beyond in my eyes. Liz Ryan was the absolute best. She was there for any questions that I had and really worked with my husband and I through the whole process. It was so easy to work with Guaranteed Rate. I would recommend her to anyone.

Christine P

Liz got it done - fast. She also took into account what my primary deal-breakers were (monthly payment was important to me) and found multiple creative ways to ensure I ended up with a monthly payment that I felt comfortable with. I have complete faith that she can and will do that again. Liz is incredible! I will recommend her to everyone I know.

Katelyn S. – Lawrence, MA | SEP 2015

I will recommend Liz Ryan to everyone I meet that needs a home loan. All of the staff I dealt with for my loan were great. They were professional and very nice making conversation and asking questions about our plans.

Derek D. – Woburn, MA | SEP 2015

Liz Ryan and Brenda Noe are an excellent team. Everything went very smoothly and quickly. But I had already known this to be the case because I have used them several times.

Lisa T. – Medford, MA | SEP 2015

Elisabeth (Liz) Ryan is amazing. Simply amazing. EVERY email, EVERY call, EVERY voicemail promptly returned. Such a breath of fresh air! Everyone else involved in our transaction was good and could have been more responsive and thorough with their responses, but Liz was totally amazing! I referred a family member to her before our transaction was even completed!!

Robert B.

She was very helpful and was willing to answer all my questions at any time of the day. She was able to find us the best rate and we were able to close the loan on time as required under our agreement. I would highly recommend her to others interested in purchasing a home or refinancing their home.

Anthony T. – South Hamilton, MA | AUG 2015

Liz Ryan was a pleasure to work with. She is extremely knowledgeable, friendly and professional. Most often she would answer my phone calls and if I left a message she returned my call promptly. She made the process very easy and stress free.

Dianne D.

Liz was great, had very quick responses, and did more than I would expect (which is pretty impressive)

Jacob Y. – Attleboro ,MA | June 2015

Liz was great, had very quick responses, and did more than I would expect (which is pretty impressive). Everyone involved in the process handled themselves very professionally. What more can you really ask for? As a first time buyer, the entire process was new to me and they took the time to make sure I understood everything every step of the way.

Jason Y.

Liz was great and accomodating

Daniel E. – Essex, MA | June 2015

Liz was a pleasure to work with, she is very knowledgeable and was easily accessible at all times of day.

Michael M. – Reading, MA | May. 2015

Liz was a pleasure to work with, she is very knowledgeable and was easily accessible at all times of day.

Michael M.

Liz Ryan was great! We had a tough situation and Liz made it work. I will use her again.

Jason B.

Liz Ryan walked me through everything. Not enough can be said about her. She goes out of her way to make sure that you understand everything to the fullest. Answers any questions. Works all the time, and is very understanding when something is not understood. Believed in me all the way even when I wanted to turn back because I was stressed. Thank you.

Angela H.

Liz Ryan and her team were fantastic. Liz was always easy to contact, and her team kept me informed every step of the process.

Alane W.

Liz Ryan was very helpful in a difficult situation with the seller.

Henry H. – San Francisco, CA | Apr. 2015

Liz Ryan was the absolute best. Being a first-time home buyer, I was completely clueless about the process. Liz walked me through the whole process and made it painless. She was available 24/7 and was a pleasure to work with. I will definitely be using her in the future and will recommend her to others.

Darby H. - Malden, MA / March 2015

We are extremely happy with Liz Ryan and her team. They made the entire process smooth and painless. We had to go through a very quick closing at the buyer's request, I'm sure they were frantic behind closed doors making sure everything was in order but we never knew it. Their service was impeccable, they make an awesome team! Liz is the best, I would absolutely recommend her to friends and family.

Pablo L.

Liz was incredible! She was always available to take my calls and answer my questions. I was very stressed about the process of buying a home but had confidence that everything would work out, as I always knew Liz was going to protect us from pit falls and have our best interests at heart. I would recommend her to anyone looking to buy a loan or refinance

Brenna C.

Liz Ryan was the absolute best. Being a first-time home buyer, I was completely clueless about the process. Liz walked me through the whole process and made it painless. She was available 24/7 and was a pleasure to work with. I will definitely be using her in the future and will recommend her to others.

Darby H.

Liz was wonderful returned any calls/mail and made everything easy to understand.

Miriam B. – West Newbury, MA | Feb. 2015

I was extremely pleased with Liz Ryan, I was treated in an extremely professional manner as was also provided with all of the documentation/paperwork/forms when she explained I would be receiving them. Over the life cycle of this loan she was very transparent, clear, and worked in a very efficient manner. I wish I worked with more people on a day to day basis that valued the same communication skill Liz possesses.

Jonathan W. -- Abington, MA. | Nov. 2014

I loved working with Liz she is so polite and really cared about us. We weren't a number to her. She answered my questions no matter how silly or late via email. .

Colleen T. -- 11/10/2014

I loved working with Liz she wAs so polite and really cared about us. We weren't. A number to her. She answered my questions no matter how silly or late via email. I also talked to Brenda and Susan a little who were also super helpful.

Colleen T.

Elisabeth was great! She is the best in the business!

Joseph E.

I'd give Elisabeth a score of 6 out of 5! She took the time to analyze the various products to find the one that best suited my needs. She enjoys what she's doing and is a pleasure to work with.

Surojeet G. -- West Roxbury, MA 6/18/2014

Liz Ryan was fabulous! She was thoughtful and thorough!

Brian C. -- Jamaica Plain, MA 6/30/2014

Hi Liz! A huge thank you to you and the entire team at Guaranteed Mortgage for answering my questions quickly, making this process relatively stress-free, and getting me a lower rate. Jodi Fawcett was amazing to work with. Your organization should bottle what you do and sell it to other companies. : ) Great customer service and professionalism! So appreciated! Kindest regards


My experience with Liz Ryan was fabulous. She was on top of everything and made me feel like I was her only customer. She has turned into a friend of mine.

Brian D.

We love working with Liz Ryan. She is amazing when it comes to mortgages. She is always available and gets the job done on time and will do whatever it takes to accomplish this.

Erik C.

I'd like to put in a good word for Liz Ryan. She was extremely helpful, and our smooth closing can be attributed in large part to her efforts.

Philip B.

We sincerely appreciated the time you took to teach our members the VA Loan class. Everyone learned so much and was quite impressed on the in depth knowledge you shared with the group. We hope you will come back in 2014 and be an instructor once again.

Susan- Realtor Partner- 9/2013

“We got our mortgage in record time and the process was almost completely pain free compared to the horror stories I've heard from friends who used other companies. When I had questions, Elisabeth and her team stayed on top of things, answered very quickly and did not need to call back. The staff was very courteous and pleasant to work with. Overall the whole process was quick and painless. Thanks Guaranteed Rate!”

Ian K. -- Salem, MA -- 6/ 2013

Liz Ryan did an awesome job handling everything for me! I couldn't be happier with everything she has done to make this an easy transaction. She knows the business so well, I was immediately at ease with her knowledge and professionalism. I would recommend Liz Ryan to my family and friends!

Sue M. - Methuen, MA 5/2012


Error: Notice: No VP Bio data for this VP.

Elisabeth interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage business since April, 2005. Was a realtor before getting into mortgage lending. Love real estate and helping people buy the home, whether it is first, second, vacation or investment homes. It is usually the customer's biggest investment. I pride myself on finding the best solution for the mortgage or the refinance. Sometimes a FHA 203K (rehab) loan is in order, and you definitely need the handholding of a professional, such as me, to help you navigate thru the maze. My customers come from all walks of life. I work with many First Time Home Buyers, love helping them thru the process. I live in an area that has a lot of vacation homes and get to work with people from all over the country. We also have a lot of investment opportunities here, so that has also became a big part of my business
What advice would you give new or first time home buyers?
Best advise I can give to a new of first time home buyer, is to if at all possible, sit down with your loan officer after the initial consultation. Make sure the loan officer take you thru the process from A to Z and also introduce you to the people involved in the transaction. You need to know what is expected of you and what to expect from the process. This will make the transaction smoother and less stressful
What can borrowers do to insure a smooth mortgage underwriting process?
I always advise my customers on what type of documentation will be needed for their loan and also the importance of the completeness of the documentation. We discuss large deposits and what is needed for the sourcing of the large deposits. If there are some unclear areas in the application, I ask them to provide a letter of explanation, etc. I go thru every step of the way and explain why this documentation is needed. This usually result in a nice, complete submission to underwriting and eliminates many conditions on the loan approval.
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?
I am the treasurer of our Condo Association of 64 units. When I started in 2010, I realized our budget and reserves were not up to par for financing. We also had our FHA condo approvak expire. I worked hard with the other board members to get a budget and reserve plan going that passed FannieMae and FreddieMac requirements. I also just got our FHA condo approval reinstated in September, 2012. Condo financing is difficult, but not impossible. This has also became another specialty for me.
Tell us something that makes you unique or something wacky, yet interesting about you?
Being Swedish and not spoiled by great summers growing up, I absolutely love the summers here. You will find me and my dog, Eddie, out on our lake during the weekends. Thank goodness for technology, I can run my office from my Iphone or Ipad in my paddle boat. :). Most Sundays I will work Open Houses, but by 4pm we are off paddling....

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.