GuaranteedRate Logo

Ryan McAllister

Vice President of Mortgage Lending
6900 South 900 East Suite 150, Midvale, UT 84047
Contact Ryan
NMLS: 1140920
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Ryan was wonderful to work with! He went above and beyond to assist me with the entire process. I noticed that he even worked after hours to help me with any questions I had. He did not see me as "another" customer, he treated me with all the care and concern that I deserved. Truly a wonderful Loan Officer and will recommend him to friends and family. He is the best!

Jared R. – 10/18/2016

Working with Ryan and his processors was nothing but a pleasure! I'm 200% satisfied! Such a wonderful experience!

Aaron L. – 08/01/2016

I had the best experience in getting approved for a home mortgage and will recommend Guaranteed Rate to everyone I know!

Yvonne R. – 08/01/2016

Ryan and his team were more than helpful! They answered every question we had even if we had already asked, and it didn't seem to bother them. Ryan was extremely patient with me and helped me understand every step of my loan process. I would recommend him to everyone I know. He truly is an amazing person. Thank you for all your help it's more than appreciated!

Shane & Jessica P – 06/22/2016

Ryan and his team were more than helpful! They answered every question I had even if I already asked it didn't seem to bother him. He was extremely patient with me and helped me understand every step of my loan process. I would recommend him to everyone I know. He truly is an amazing person. Thank you for all your help it's more than appreciated!

Shane S. - 6/10/2016

Ryan was great! He did an amazing job at determining my needs and exceeded them. He was able to get me a better rate and a lower payment. He was very good at keeping in contact and informing me of updates. We were able to close very quickly and painlessly. Hopefully I won't need to get another mortgage, but if I do I will definitely contact Ryan again.

Darin P. – 05/31/2016

Ryan McAllister and Andrea Redfield made everything so easy to understand and helped me through the whole process. I'm so happy to have had them as my team in purchasing my first home.

Nicole W. – 05/31/2016

Ryan took care of us from beginning to end. He went above and beyond to assist us in the house buying process and was always so patient with us. We are first time buyers, but he made sure that we understood the process completely. Even after the closing date, he has still continued to assist us and answer our questions. We will absolutely refer home buyers to Ryan and Guaranteed Rate, especially first time home buyers. Thank you for all your help, our first home wouldn't have been possible...

Veronica M. – 05/10/2016

Ryan helped me refinance my home recently. He was AWESOME to work with. He kept me informed throughout the entire process and processed everything quickly and professionally. Having someone trustworthy puts my mind at ease during these types of transactions and I am so grateful that I had Ryan by my side. Thanks again!!

Nicole H. – 04/15/2016

Ryan is an absolute joy to work with. He is both professional and friendly, and is super efficient. I really appreciate everything that he's done. Ryan is the best!

Michael M. – 04/29/2016

Ryan rocked it. During our refinance, he answered all my questions, was not pushy, and was great at following through. He gave me exactly what I asked for and was able to be flexible.

Mindy W. – 04/28/2016

This refinance came during a rough tax year for us and helped us alleviate some bills. We were able to get a lower rate and save money monthly while skipping two months mortgage payments and getting some cash back, which all really helped take some stress off. It is totally worth talking to Ryan to get a refinance estimate for free. He will be honest with you about whether or not a refinance is in your best interest. I can’t thank Ryan enough!

Jessa O. - 04/14/2016 Part Two

When it comes to good people and service, I’m all about sharing my knowledge. My husband James and I did a refinance on our home with Ryan McAllister and he was amazing to work with. He kept an eye out to get us the lowest rate, made the process so smooth and simple and was completely honest and upfront during the whole process.

Jessa O. - 04/14/2016 Part One

Awesome rate, thorough service, and fast process from beginning to end. Best refinance experience I've ever had.

Steve B. - 12/29/2014

Ryan is personable, down to earth, and professional. He is interested in you and the journey you are on to get into your home. He takes joy in seeing you finally get into your home and asks how you are enjoying it even after moving in. When necessary he fights for you to get what is needed for the loan by the deadlines. I would highly recommend Ryan.

Dallin & Michelle J. - 6/1/2015

Ryan is amazing at what he does! He is very thorough, quick, personable, and so passionate about helping his clients/friends!!! You're never out of the loop and you can contact him at all hours of the day. I'm so pleased to have the opportunity to work with him and though I knew him before hand, I now consider him to be a dear friend for life!!!!!

Amy S. - 10/6/2015

What a great job Ryan did completing my mortgage, even though several outside agencies: VA, and others kept putting short-notice demands on us both. His patience, professionalism, and devotion to getting the job done is the MAIN reason I have my new home!!!

David K. - 10/6/2015

About Ryan

Ryan McAllister serves as a Vice President of Mortgage Lending to Guaranteed Rate, Inc., Retail Division, Utah. Ryan started his mortgage career in operations and brings over 10 years Real Estate and Mortgage Banking experience to Guaranteed Rate.

Having worked in all facets of the industry, Ryan has landed his career in Mortgage Loan Origination with a thorough knowledge and understanding of what it takes to see his clients through to the closing table. This enables him to have a high success rate at helping hundreds of clients achieve their dream of homeownership for a better financial future.

Having served in many leadership roles throughout his lifetime, Ryan thrives on helping his friends, family, and colleagues bring their lifeýs visions to fruition. Continually seeking out individuals to discuss their goals and dreams is a passion Ryan does not take lightly.

Ryan is an entrepreneur and creative artist at heart. In addition to his busy work schedule, he spends the majority of his spare time getting involved in community events and finding ways to incorporate his passions into his daily life. He prides himself in being a jack-of-all-trades, and specializes additionally in music production, video production, graphic design, web design, photography, brand consulting, and interior design.

Whether working with clients to get into their first home, or helping small business owners grow their brand and social presence, itýs all the same to him. Business is business and helping others achieve their dreams helps Ryan achieve his.

Ryan resides in the Liberty Heights neighborhood of Salt Lake City and supports the growth of his local community.

Ryan interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have served in the mortgage industry for over 10 years and have always had an interest in real estate and finance. Getting my clients to the closing table gives me a sense of fulfillment that no other industry could provide. There is nothing better than seeing a client achieve their dream of homeownership. I get to be the guy who improves people's lives and I couldn't ask for a better career.
Who is your typical customer and what questions do they typically have?
The majority of my clients are first-time homebuyers who know very little about purchasing a home, and so the questions I receive pertain directly to every aspect of becoming a home owner. With my expertise, I am able to provide my clients unparalleled service and answer any questions that arise before, during, or after obtaining their first home.
What specific steps do you use to help your customers find the best home loan for them?
During the application process I ask my clients many questions and analyze every aspect of their loan file to determine which programs best fit their needs and criteria. From this, I typically offer several different options and allow the client to choose the loan program that works best for them.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
When it comes to fixed rate vs adjustable mortgages, both options have their pros and cons. For example, a fixed rate mortgage is better suited for those individuals who plan on staying in their home for an extended period of time (greater than 7 years). A fixed rate mortgage ensures the homeowner will have the same interest rate throughout the life of their loan. If a homeowner does not plan on staying in their home, an adjustable rate mortgage (ARM) may be a better option. ARMs typically come with a significantly lower interest rate, which can be fixed for a period of the first 3, 5, or 7 years. If a client were only going to be in their home for 5 years before selling and upgrading to a larger home, the interest savings provided through an ARM product would be of greater value than ensuring the interest rate is fixed for 30 years. Clients should consider their plans forward before choosing a fixed or adjustable loan product.
What advice would you give new or first time home buyers?
Owning your own home is so much more rewarding than renting. Many first-time homebuyers have anxiety over the home buying process. To help alleviate this anxiety, find both a mortgage and real estate professional you can trust, and let those professionals lead you to the closing table. Also, it is important to be organized, responsive, and punctual when asked for documentation. The professionals you choose to work with are typically up against tight deadlines to get you into your first home. Being on top of your game will help your professionals alleviate potential frustrations and ensure deadlines are met on time.
How has the mortgage industry changed since you started, and what would you expect in the future?
I believe the real question is, "How hasn't the mortgage industry changed?" As a heavily regulated industry continually growing and changing, it can often times be challenging for those Mortgage Loan Originators who only originate a few loans per year to keep up on industry changes. This is why it is so important to choose a mortgage professional who actively originates and keeps up on continually evolving regulations, guidelines, and loan programs. As the mortgage industry grows, I believe we will see more government agencies and lenders adopting the digital world to make the process of obtaining a mortgage completely paperless. Technology will continue to be enhanced and implemented, which will streamline the process altogether.
What part of the home loan process do customers find most difficult and how do you help them through it?
Obtaining a mortgage can be a convoluted process. Because clients have their own set of daily responsibilities to keep up with, adding a laundry list of items needed to obtain a mortgage, to an already busy routine, can be complicated for some borrowers. This is why at Guaranteed Rate we offer the Digital Mortgage as a solution to streamline the entire process. From applying online and obtaining an immediate underwriting decision, to uploading required financial documentation through a secure internet portal, our clients are covered.
What can borrowers do to insure a smooth mortgage underwriting process?
Obtaining a mortgage requires financial documentation to be submitted by clients in a timely manner. Borrowers should anticipate being in contact with my service team daily and provide any requested documentation within 24 hours. Submitting documentation up-front and on-time will help alleviate any back and forth communication with underwriting and streamline the entire process. Submitting a complete package to underwriting the first time will ensure a timelier transition from application to approval.
Summary of where you grew up: family, affiliations, college, high school, etc.
My three sisters and I grew up in Magna, UT with our entire extended family living just minutes from each other. We were all really close and had an amazing childhood full of camping trips, vacations, and most importantly, a loving home to grow up in. As a kid, during the summer, I'd pull all the blankets I could find out to the trampoline and sleep under the stars. Our home became the neighborhood hang out and friends would join our family after school to find a warm meal and comfortable home environment. I served as Student Body President and graduated from Cyprus High School, Class of 2002. Helping other families achieve homeownership is of great importance to me because, in a way, I am making it possible for my clients to provide their families with the same warmth and comfort provided to me as a child.
What provides you with the most satisfaction in your job as a Loan Officer?
Being able to see my clients (realtors and homeowners) through to the closing table provides the greatest satisfaction. There is no better joy than knowing the obstacles each client has faced and seeing the happy looks on those faces once the final papers have been signed and the keys to their new life have been awarded.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I am an artist at heart. In addition to mortgages, I work in my spare time as a creative designer. I love all things media. Graphic / web design, music production, video editing, photography, interior design, brand consulting, organization, lighting design and christmas light installation, event planning, marketing, and anything else creative I can get my hands on. I find joy in being multifaceted and exploring as many talents as possible, all at once, while continually blurring the lines between one profession and ten.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state. Please see Assumptions for more details.

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!

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

Explore loan options

Start your Digital Mortgage

Apply now