Andrew@HLCTeam.com
909-260-5252
Andrew Ryan
Buying a home or exploring a refinance? Connect with Andrew to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Andrew
Andrew Ryan is a Loan Originator and Sales Operations Manager, known for a rare combination of skills in both sales and operations. With more than 25 years in the industry, Andrew boasts encyclopedic knowledge of many loan programs, along with the practical experience to support the HLC Team in delivering a smooth and expedient loan process, from application to closing. With a strong desire to help others reach their goals, Andrew guides his team of loan officers, providing seasoned insight and motivation to help make homeownership dreams come true.
Born in New York, Andrew was raised in California and proudly calls it home. Outside of work, you’ll most likely find him outdoors, hiking, cycling or just enjoying life with his wife and their grandchildren.
What clients say about Andrew
It was a pleasure to meet and work with Andrew Ryan. He kept me up to date and informed throughout the process. I highly recommend him to anyone for their mortgage needs. Thanks again Andrew!!
Andrew guided the process from start to finish. I met Andrew several years ago when I needed help getting a reverse mortgage for my parents! He got me the loan and I was able to take care of my parents and fulfill their wishes. I would highly recommend him.
Andrew Ryan is great to work with. He will quickly model various finance scenarios for you that are tailored for your specific situation. When any challenge would arise, Andrew would quickly pivot and offer other options. Thank you Andrew!
Andrew Ryan is great to work with. He will quickly model various finance scenarios for you that are tailored for your specific situation. When any challenge would arise, Andrew would quickly pivot and offer other options. Thank you Andrew!
Andrew was very thorough and responsive. He gave us lots of options and explained the process clearly.
Andrew provided well-reasoned guidance that wasn’t full of empty promises, but was based in the reality of our situation. This helped us make an informed decision with our mortgage. Fantastic to work with a true professional!
Andrew was very friendly and knowledgeable. Everything was done in a timely manner and he answered any question I had. I would definitely refer anyone to him and I would work with him again!
Andy Ryan was a tremendous help throughout our entire homebuying experience as a first time buyer. I started talking to Andy very early in the process and he was always available (quite literally 24/7 - not exaggerating; a 21 day escrow was no problem for him) to answer any and all questions I had. Andy is talented at taking complex financial choices and distilling them down to be easily understood to find the optimal loan for any situation. I would HIGHLY recommend Andy for all your home lending needs!
Andrew Ryan was extremely helpful. Andrew had a lot of patience with explaining things to where my husband and I felt comfortable with enough understanding to move forward with the company with confidence.
Lots of little details involved and Andrew was with me all the way. Greatly appreciated!
Andy is knowledgeable and goes above & beyond for his clients. He made our mortgage options as clear as possible which made the process so much easier. He truly does care about everyone he works with. Will be recommending him to friends and family!
Let’s connect
Contact Andrew
Share a little about your plans and how to reach you.
Office locations
Suites 3 & 4
Upland, CA 91786
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Andrew today.
