ryan@houseloan.com
405-777-9222
Ryan Cadwallader
Buying a home or exploring a refinance? Connect with Ryan to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Ryan
My goal is to get to know you and find the right loan for your needs. From our first conversation to closing day and beyond, you can expect a clearer, simpler, and more connected financing experience.
You deserve a mortgage professional who has your best interests at heart. That's exactly what you'll get here.
What clients say about Ryan
Great service and responsiveness. Made everything as painless as possible!
Ryan is professional and amazing! It was hard for me at time to comprehend but he was very patient with me! I felt heard and once Ryan so calmly explained the process I understood! Ryan is a huge asset to the company!
I have known Ryan for many many years and on a whim I decided to see if home ownership was possible and Ryan killed it. He has been there for me many times and this just adds to that list. I was unsure how to go and he always answered questions and did everything he could for me. I’ll never be able to recommend him enough!
I cannot recommend Ryan highly enough! From start to finish, the entire mortgage process was seamless, professional, and even enjoyable—something I never thought I’d say about home financing. He took the time to walk me through every step, answered all of my (many) questions with patience and clarity, and made sure I felt confident and informed at every turn. What really stood out was their commitment to transparency and customer service. I never felt rushed or pressured—just genuinely supported. Thanks to Ryan’s efficiency and expertise, we closed on time with no surprises. The rate and terms they secured were better than I expected, and it’s clear they truly had my best interest at heart throughout. If you’re looking for a mortgage lender who is trustworthy, knowledgeable, and goes above and beyond, look no further. I’ll be recommending them to friends and family without hesitation!
Let’s connect
Contact Ryan
Share a little about your plans and how to reach you.
Office locations
Suite 104
Covington, WA 98042
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 Ryan today.
