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Ryan Hargrave, Vice President of Mortgage Lending, CA - Encinitas

Ryan Hargrave

Vice President of Mortgage Lending
NMLS ID # 292560

ryan.hargrave@guaranteedrate.com

Phone: 951.288.2922

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About Me


Loan Officer Interview Q&A's

How long have you been in the mortgage business and what inspired you to get into it?
I've been doing residential mortgages for over 3 years in San Diego. I grew up with a financial planning family base that taught me the benefit of knowing finances in your everyday life. I was inspired to join the mortgage world after the meltdown of 2008. With our lending world being turned upside down and new rules being applied, I felt it was a great time to get in on the ground floor as a new face of lending was being drawn.

What advice would you give new or first time home buyers?
Purchasing a home is an exciting time in one's life. Every time I sit down with first time home buyer I explain the process and let them know that a deep breath of patience is the key to success. Guaranteed Rate is very efficient and moves swiftly but loaning someone money still takes time. With my iPhone as my third arm, I'm always available for my clients to reach out for questions or knowledge.

What part of the home loan process do customers find most difficult and how do you help them through it?
I feel that most people don't have an understanding of the mortgage process. This is where a willingness to learn and a good educator come into play. I truly enjoy teaching people the process and letting them feel like they can be a part of learning the steps. Clear communication and timelines are the foundation of having a good experience when getting any type of home loan. From FHA to Jumbo loans, our team believes these are the basic principles to you having a smooth transaction.

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 heavily involved in our local community. I am a Solana Beach Lifeguard where I keep people safe at the beach during weekends and big surf days. I actively workout with a paddle board group around North County San Diego which allows me to get my workouts in on the ocean when we have nice weather. I am the President of my BNI Chapter in Carlsbad, CA. It's nice to lead a group of professionals who are passionate about business growth and development.

Tell us something that makes you unique or something wacky, yet interesting about you?
I'm blessed to live in such a beautiful part of the world. I can surf in the morning, spend the day with clients and get another ocean workout in by sundown. My 4 year old Lab, Captain, keeps me in line. I'm obsessed with the weather because it brings good swell and even better storms for winter snowboarding. I am a passionate gardener and enjoy eating organic foods.


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