RNiles@houseloan.com
206-949-4326
Ryan Niles
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
The Mortgage Professional Delivering Exceptional Service
Ryan Niles, a seasoned mortgage professional with over 18 years of experience, is more than just a mortgage advisor; he's a dedicated advocate for his clients. His journey in the world of mortgage lending began with a passion for service and a vision to transform lives through responsible homeownership.
An honors graduate from the University of Washington, Ryan holds a degree in business administration with a focus on finance and marketing. Since 1999, he has called the vibrant Seattle area home, immersing himself in the rich culinary, arts, and culture scene that this city has to offer.
But Ryan's dedication extends far beyond the classroom and local attractions. He is driven by a deep commitment to helping people achieve their homeownership dreams. As the founder of The Niles Team, he's spent years perfecting and studying the team's process, ensuring a red carpet experience for clients and a streamlined, worry-free transaction for referral partners.
Ryan's guiding principle is service with a heart, backed by an exceptional team. He and his team share a fierce passion for taking great care of their clients and making the mortgage process as seamless as possible. Home lending serves as their platform to positively transform lives and fulfill long-term goals through responsible homeownership.
Whether it's assisting a first-time homebuyer, optimizing home loan savings, or helping clients leverage their equity, Ryan offers comprehensive planning and education. He applies the knowledge he's gained over the years to find creative financing options that align with each client's unique needs. Ryan and his team collaborate closely to bring value and exceptional service to every transaction, transcending the boundaries of traditional business hours.
Ryan's commitment to service extends to its deep respect for clients' interests. They prioritize transparency and provide trusted insight, empowering customers to make confident, well-informed mortgage decisions.
Ryan's client-centric approach has not gone unnoticed. Review after review attests to the exceptional service he and his team deliver. One satisfied client shared, "Ryan and his team did a great job at keeping me informed and making sure that I had all my questions answered. They expedited the whole process of getting my mortgage approved and closing on the house, which was phenomenal! From the time that I found my townhouse to closing, it was three weeks!"
Another client mentioned, "I'm generally a very skeptical person when it comes to financial services but this team definitely has my trust and I will recommend them to anyone in the future." The high praise and trust in Ryan's team exemplify their dedication to their clients' needs and their commitment to delivering a truly personalized experience.
Ryan Niles doesn't just stop at the office. In his free time, he enjoys staying active with activities like working out, running in half marathons, hiking, playing basketball, and snow skiing. He's also an avid traveler, exploring the world whenever he can. However, his most cherished moments revolve around his family, spending quality time with his superhero wife, Kami, and sons, Grayson, and Lawson.
Ryan's commitment to community and education is evident in his consistent efforts to give back. He frequently teaches complimentary homebuyer classes to the public on weekends and specializes in down payment assistance programs for first-time homebuyers. His dedication and expertise have earned him numerous awards, including the Seattle Magazine Five Star Professional Award for nine consecutive years.
To Ryan Niles, homeownership is not just a transaction; it's a life-changing experience, and he's here to guide you every step of the way. His passion for helping clients find the right loan for their individual needs and introducing them to the unique benefits of homeownership remains his favorite part of the job.
In addition to his commitment to clients, Ryan is also passionate about Husky football and basketball, proudly cheering for the UW teams. His dedication to family, clients, and community make him not just a mortgage expert but a trusted partner on your homeownership journey. Go, Dawgs!
What clients say about Ryan
Ryan Niles is the best! Friendly, knowledgeable and incredibly well prepared, he and his team got our backs from the very beginning (with a great and thorough video call explaining everything), to the closing day (which they made happen in less than 2 weeks!), and beyond, making sure in future that we can get the most favorable borrowing rate. As first time buyers, my partner and I were able to feel confident all along the purchasing process, thanks to Ryan who was consistently proactive and helpful, and worked with our agent to make it all go smoothly. I can’t recommend him enough and I'm glad to know he’ll be there for us in the years to come. Thanks for everything Ryan!
⭐⭐⭐⭐⭐ We had a great experience working with Ryan Niles and his team at Cornerstone Home Lending! They were professional, knowledgeable, and helpful throughout the home-buying process. They made everything easier to understand and were always available to answer our questions. We truly appreciate their support in helping us purchase our home. Highly recommend Ryan and his team!.
Ryan Niles and his team at Cornerstone Home Lending were truly a blessing to work with. I was connected with Ryan through the Homes for Heroes program, and I can honestly say he is a miracle worker. Ryan is a straight shooter. He has been in this business long enough to know what can and cannot be done, and he will be honest with you from the beginning. At the same time, if there is a way to make your goal happen, he is going to work hard to find it. I’m just a regular Joe trying to buy a home, and when I say Ryan and his team were a godsend, I genuinely mean it. That is the best way I can describe the level of work, care, and dedication they gave me throughout the entire process. Ryan was professional, extremely attentive, communicative, trustworthy, and always made sure I understood what was happening. He took the time to understand my goals and stayed in my corner from the beginning all the way through the finish line. Buying a home and going through the loan process can be stressful, but having Ryan and his team behind you makes a huge difference. You never feel like you are just another file or another number. They genuinely care about helping people get into the home they are working so hard for. I am incredibly grateful for Ryan and the entire Cornerstone Home Lending team and would recommend them without hesitation, especially to anyone working through the Homes for Heroes program. Five stars is honestly not enough.
5/5 stars! Working with Ryan and his team was an absolute pleasure. He was incredibly prompt, responsive, and clear through every step of the process. Ryan made what could have been a stressful experience completely smooth and seamless. Highly recommend!
Working with Ryan and team was a dream. I have never met someone who has such similar work ethic and dedication to their customers. Kind, thoughtful, creative, responsive, a true guide and partner. We will never go to anyone else moving forward. Thanks again Ryan for such an amazing experience helping our son buy his first home <3
Ryan, Cornerstone and Home for Heroes were an amazing blessing in our home ownership journey. Ryan was very encouraging and positive from the beginning; offering multiple options and explaining them in detail. He is very professional and on top of everything. I appreciated the presentations that he created to help us understand the whole process without any surprises. Ryan is an absolute pleasure to work with!
Ryan and his team took two first time home buyers with little to no experience and walked us through the entire process. We can’t thank you enough for your patience and support. We highly recommend their services.
Ryan is THE BEST!!! He made a daunting thing easy and exciting! He was there for every question and responded very fast. He sent video messages explaining things and even a happy birthday message. He worked fast on our behalf, the whole process felt safe and personal. You are in good hands with Ryan Niles team!!
Ryan is THE BEST!!! He made a daunting thing easy and exciting! He was there for every question and responded very fast. He sent video messages explaining things and even a happy birthday message☺️ He worked fast on our behalf, the whole process felt safe and personal. You are in good hands with Ryan Niles team!!
We have done business with Ryan three times now and would for sure work with him again. We appreciate how quickly and effectively he is able to do his job. On our first mortgage he preemptively came to us after rates dropped about a week before we were going to start looking for refinance options to let us know the current rates and what he could do for us. On our second mortgage he was able to get us lower rates with some seller buydowns. He works well with real estate agents and has been praised as being great for them as well. We highly recommend his team and services and look forward to future business.
We've worked with Ryan and his team three times already and every time our experience exceeds expectations. From pre-approval to closing, each step is transparent and communication is top notch. He also looks out for the best interest of his clients. If you're looking for a lender that is not only approachable but also streamlined and has your best interest in mind, look no further than Ryan and his team.
Ryan's team went above and beyond to help our family secure our new home! Excellent communication, flexibility, and responsiveness every step of the way. Cannot recommend highly enough.
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Contact Ryan
Share a little about your plans and how to reach you.
Office locations
Suite 600 A & B
Seattle, WA 98109
Suite 400
Lynnwood, WA 98037
Suite 700
Houston, TX 77027
#202
Snoqualmie, WA 98065
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.
