Client Testimonials

  This was my 4th time refinancing with Ryan and each time it gets better and better! He's a pro and as good as it gets. If you're looking for a new home loan with a short close, a refinance with no time frame or anything in-between, his knowledge of the market, customer service and overall structure makes him a pleasure to work with. I highly recommend working with Ryan and have sent 5 other people to him, all of which also gave him outstanding reviews.

  Ryan is fast to respond and on top of everything. We did a refi with him and had quite a few roadblocks along the way (not Ryan's fault) and he just did what he could to knock those blocks down. He was quick to contact (email or call) us when there was something and quick to respond when I had we had questions. There were a lot of technical terms and nuances involved and he does his best to answer questions.

  Ryan was professional and went above and beyond working with me. He found me a great interest rate and made the whole process easy. He answered any questions I had, and explained everything thoroughly. I highly recommend Ryan and his team. I hope to use his services again one day.

  Ryan was the BEST POSSIBLE, go-to source for all of our mortgage needs! We worked with a couple different brokers to start out and quickly found out that Ryan was ahead of the pack, and passionate about helping us reach our goals. My wife and I are first time military home buyers and he was very transparent and helpful teaching us about all our options, aligning completely with our goals, and he ended up getting us an absolutely incredible rate with minimal fees!!! Ryan was on top of things every step of the way, keeping us on track and he was always available and kept in touch with us throughout the whole process. The rate he was able to secure for us has made a huge impact! We can't thank Ryan enough for his hard work on our loan. 5 stars just doesn't do it justice. With the rate and credits he got us and the service he provided he gets an A+++ must use grade! Don't hesitate to contact Ryan for all your mortgage needs!

  Ryan is a Financial Genius. He's helped me save money on my mortgage, pay off debt and increase my Credit Score. Easy to work with, honest and he makes sure you understand every step before you sign. Thank you Ryan!

Bobby

  Ryan helped me through my first home buying experience and he was fantastic to work with! He took the time l to make me feel comfortable with the processes, gave me a clear road map, and made himself available to help with rate scenarios whenever the need came up. Ultimately I choose Ryan because he was the most professional and helpful person I found, but he also had the best rates and saved me a few thousand dollars over the other lender I was working with. A+ thanks again Ryan for all assistance!

  First time home buyer here. I'm very meticulous and scrutinize everything, especially with the rising housing prices in San Diego every penny counted. My wife and I interviewed with 4 mortgage companies and then Ryan as the only broker to see what they could do for rates, closing costs, how personable they were ect. We asked Ryan specifically because several of my coworkers either got their first loan through him, or refinanced with him and literally have said, "We won't use anyone else again."

Here are bullet points of what he did for us
1) Of all the mortgage companies and him, he always had the best rates (0.125 or more lower)
2) No BS, he was upfront on everything and thoroughly explained what to expect and why
3) He delivered better than what we were expecting (rates, closing costs, time of closing)
4) Very accessible, he was available "off hours"
5) Very patient, we had many questions and let him know we were shopping around but he was still there for us even before we signed with him
6) Advocate, he called our realtor and the seller on our behalf, making sure they knew we were solid bets as buyers
7) He tailors your loan to what you ask for
8) He keeps working even after you close, He is going to watch our loan so we can refinance in the future and drop our LPMI and lower our mortgage when we can ( i think it's 20% of the loan)

To give a narrative, we were shopping around and were hoping to get the best rates, with lender paid MI and to keep closing costs down. When we went to the mortgage companies and Ryan, he claimed (and delivered) to have the lowest rates and lowest closing costs which ended up saving us over $2,500 comparatively. Also, per the seller we had to close in 30 days or less. With Ryan we could have closed in 15 DAYS! Reason why we didn't was the seller dragged their feet with their request for repairs. He was also in constant communication with us every step of the way. He was very comfortable to work with and everything he said he would do, he did.

I can't say enough good things about this guy. For refinancing and when we buy property again this is the guy we will go through.

Hell, he even took us out for a bite and beer at Ballast Point after to get to know us better, who does that anymore?

  Ryan is the greatest! After inquiring about using my VA home loan to purchase a house after several years of renting in San Diego, I going to continue renting after being told by several other lenders to wait until my credit score improved. Ryan was the only one to insist that he could help us in our dream of becoming homeowners, and after a little over 2 months, he delivered on all his promises and my family and I are now in the process of moving into our first home ever in North County San Diego! I am a retired USAF veteran and would gladly recommend Ryan and his company for all of your home financing plans. He is the utmost professional and was always available at any time of the day for any questions or concerns I had with my home buying experience! I will not hesitate to use his company and services in the future! Thank you!

  Ryan has helped me with several transactions over the years; from purchasing homes to refinancing. Each time, he has been nothing but the very best. Super responsive to all of our concerns and always provides us with accurate information. Also, he is an expert of the VA loan guarantee process. Simply put, Ryan is the only person I've ever trusted in the business of home loans and I recommend him to anyone looking to buy a home. Thanks again Ryan for a job well done!!!!

  Ryan thank you so much for assisting with the purchase of our second home and juggling all that is involved with selling and buying simultaneous. Your experience and prompt responses really help make this transition less stressful. Also, the referral you gave us to help with a HELCO for our remodel was such a good fit even after shopping around we could not beat the rate offered by your contact. We appreciate your thoughtful guidance and listening to all our concerns and goals. Looking forward to our next financing transaction since we know you will make it easier and less painful. Bravo and keep up all the hard work!

  I recently refinanced with Ryan; he was extremely attentive, and answered every question I had. This wasn't my first refi, but it was my first refi with the VA. Ryan was extremely knowledgeable with working with the VA and made it a smooth and easy experience (the VA wanted WAY more info than a traditional refi lender!). I would definitely recommend Ryan and his staff...quick, easy, and painless refi! Thank you Ryan!

  I can't recommend Ryan Gelardi enough. Ryan's knowledge, expertise, attention to detail and patience made the complicated home purchase so much easier. A few years ago, he helped me with my first home purchase taking the time to explain all the nuances of the process along the way. He was always on top of all the details and I never had to worry about something falling through the cracks. He even contacted me several months after the close of my home to let me know I could refinance at a lower rate. I can't tell you how much I appreciated him looking out for my welfare even after our business had concluded. Since, I have used his services again and he went above and beyond--looking out for my best interests--I wouldn't go to anyone else.

  Very happy with my experience with working with Ryan. I didn't have any experience with buying real estate or the mortgage process. Finally found a place that fit our needs. The seller that was moving and looking to close fast. Ryan was great at communicating to me what needed to be done and when. He was always available to answer questions and keep me informed on the stuff I wasn't familiar with. The process was smooth and I will definitely stick with Ryan if I get the chance to purchase real estate again.

  Ryan helped in my refinancing in 2017. He worked efficiently and was able to complete the work in very short time, even if there were some hitches on my side. It was a pleasure working with him and his team as I only needed to feed my materials and was protected from the tedious paperwork and communication with the third parties.

  I have worked with Ryan and C2 Financial for multiple purchases and refinances over the years and I had great experiences every time. Ryan is very thorough and he makes sure that the process goes as smooth as possible. It makes the process a lot easier when you have someone very detailed and organized like Ryan helping you out. Ryan was able to prepare us for any issues that could arise while trying to obtain financing and I always felt like he was looking out for my best interest. I would recommend Ryan and C2 Financial to anyone that is looking to buy a house or refinance a house they currently own.