Caitlin - House, Seward Park/Seattle
While I should admit that I did not research lenders, I have to say that I feel very fortunate to have been referred to Ryan and Natalie. I was connected to Ryan through my first real estate agent back in 2011 when I first started the home buying process. My agent was a former high school classmate whose family had long been in the market and Ryan was family friend and colleague. I was fresh out of grad school at the time and landed my first salaried position. I had no idea what I was getting into and if I could even afford to buy a house as a young, single, new professional. Nevertheless, Ryan welcomed me to his office and educated me on everything I needed to know. I was and still am incredibly impressed with his professionalism, work ethic, patience, and uncanny ability to find ways to make the numbers work! That being said, he is honest and will not misguide you.
2011 wasn’t my time. I realized I didn’t know what I wanted and what I thought I wanted, I couldn’t afford. Ryan was completely understanding of my position. He wished me the best and encouraged me to stay in touch. In May of 2013, my dream of homeownership was reignited by an old farmhouse in Beacon Hill. I saw the listing on a Friday and contacted Ryan out of nowhere asking if he could run some numbers for me. By Monday, Ryan had gotten back to me with good news just in time for me to attend the open houses that week. With interest rates at a low, I qualified for the asking price. I made my first ever offer, but unfortunately, the house went for $60k over the list price. Needless to say, I was discouraged.
I kept my eye on the market over the next couple of months and stayed in touch with Ryan and was introduced to Natalie. Interest rates rose during these months and I found my buying power diminished. I was frustrated and felt like I was back in 2011 oscillating between a single family home in the outskirts or a condo in the city. I probably drove Ryan and Natalie crazy! I didn’t realize what I had with them until I stumbled upon a coop in one of my favorite neighborhoods. As you may know, coops are an entirely different beast, requiring specially licensed lenders. I had to work with someone else for this and it was one of the worst experiences I have ever had. The lender never returned my calls, didn’t explain the process to me, ran my credit against my wishes, and made me feel like a waste of her time. I ended up finding another coop lender who was very helpful, but I realized how much Ryan had done for me early in the process to help me feel comfortable, education, and supported in a very intimidating process. I made an offer on the coop, but the sellers didn’t accept it and I am so grateful!
In August, I again came across a listing that got my hopes up. It was a single family home in Seward Park and checked all of my “must have” boxes. The listing was up late Friday, I drove by the house on Saturday and then emailed Ryan, called the listing agent, and scheduled an inspection all that same day and attended the open house on Sunday. I had an inspection done on Monday at 6am, wrote my offer all day Monday, submitted it by 4pm, my agent (Monique Harris Jones) presented it in person at 6pm and by 8pm I found out my offer was accepted!
During the offer writing process I was back and forth with Ryan and Natalie running different scenarios. My parents were helping out with the down payment and there were a bunch of ways to handle that. Monique and I wanted to make sure I didn’t lose the house for a nominal difference in down payment or other things. Ryan and Natalie were there every step of the way.
Through closing, my main contact was Natalie. She is a great communicator and made sure that I knew what was going on and what I needed to do to ensure we closed on time. In fact, we could even have closed early had it not been for the seller’s schedule. I kept pushing the early close, which Ryan and Natalie were very conservative and realistic about. But in the end, we could have done it because all of us (Ryan, Natalie, and I) were so on top of it!
Anyway, this is probably more info that you wanted. But the short answer to your question is I can’t recommend Ryan and Natalie enough. Nothing could have been done differently and they are a great team. Ryan and Natalie are true professionals who value their clients. I was never made to feel unworthy of their time or expertise. While I don’t think I am high maintenance, when I reflect on all the different twists and turns in my story, I am sure I wasn’t always easy to manage!
O & K, Shoreline
We were referred to Ryan from a friend that works in the 'Green Construction' industry. Upon meeting Ryan, we instantly felt comfortable and were confident Ryan would do what he could to get us qualified for our first home. Over the next few months, we worked through various scenarios; the turn around from Ryan and his colleague Natalie was always on time whenever we were in a competing offer situation and needed to know what our mortgage would look like.
Once we were ready to make an offer, and get down to signing documents, Ryan locked a great rate in for my wife and I. The transaction went smoothly, and most correspondence was via email through Natalie who had a clear list of what and when something was needed.
We have recommended Ryan and HomeStreet to family and we will seek to work with Ryan next time the opportunity arises; overall an excellent Loan Officer and a pleasure to work with.
Makena and Barclay - Condo, South Lake Union
Ryan helped my fiancé and I navigate the process for our mortgage when buying our first house. As first-time homebuyers, he took the time to explain every detail and answer all of our questions. I absolutely recommend him for any loan you need.
Jeany - Condo, Downtown Seattle
Ryan helped me through my loan on my very first home. We were able to close extremely quickly due to his diligence and quick responses. I was overwhelmed at first with the whole process, and was talking to other lenders, but once meeting Ryan, and I quickly felt at ease, and the decision to go with him was a no-brainer. He provided me with several options and thoroughly explained everything throughout the whole process. His knowledge and recommendations helped me with my decisions and I learned a great deal about the whole process. He always made himself available whether it was in person, on the phone or on email. I always felt comfortable in reaching out to him, for whatever questions or concerns I had. I highly recommend Ryan and his team!!
Jocelyn & Avery - House, North Seattle
My husband and I enjoyed working with Ryan to get a loan to purchase our first house. Ryan received five stars because he truly was responsive (always prompt!), knowledgeable, helpful, and always followed through. Because this was our first time purchasing a house we were new to all the house-buying lingo and financial jargon, but Ryan has a knack for explaining this confusing/overwhelming information in a way that is digestible. We learned a lot from him! And even when we ask the same question two, three, four times, he was patient and respectful and never patronized us. He was extremely professional over the phone, as well as via email. It was clear from the first time we met Ryan that he was genuine and knowledgeable. Would we work with him again? Yes. Would we recommend him? Yes. In fact, we already have! :)
Bryan- House, Ravenna/ Seattle
My wife and I worked with Ryan on the purchase of our first home and the process was seamless. He walked us through the basics and gave us a good sense of our situation. Ryan always looked out for our best interest and kept us well within our means. When it came time to close, we had no issues. Our escrow agent and realtor were both pleased with Ryan's efficiency.
Yasha- House, Shoreline
Having never bought a house before we met Ryan with many questions and doubts. He listened to our concerns, clarified the process, crunched our numbers and encouraged us to move forward. We felt in excellent hands with Ryan; he got back to us right away whenever we had questions. We smoothly crossed all hurdles and closed on time. We highly recommend choosing Ryan for your mortgage services.
Cara & Austin- House, Central District/ Seattle
We almost went with a big national bank for our lender, but on a recommendation from our realtor we chose to go more local with Ryan Maxwell at HomeStreet. I'm really glad we did. Ryan was extremely helpful and did a great job explaining the process of applying for a home loan, and what to expect. As first-time home buyers, this made us feel like we were in good hands. The estimates were all pretty much spot on, he helped us negotiate our rate, and the time to submit and approve was incredibly fast. Even our escrow agent told us she was thrilled that we had chosen HomeStreet, because they are so easy to work with. And Ryan has a friendly, upbeat attitude that made him a pleasure to work with. I would definitely recommend Ryan and HomeStreet to others looking to finance a home purchase.