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Ryan Maxwell

Senior Loan Officer

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I'm a third-generation native of Seattle and I love this town. I've been working in the mortgage industry since 1995 and I'm thrilled to be part of another multi-generational native of Seattle - HomeStreet Bank. I love what I do and I love where I do it, and I look forward to working with you as well.

The last few years have given us a crazy, wild ride in the overall economy. When it comes to financing your home, now more than ever you need a mortgage advisor with experience, creativity, drive, ingenuity, and passion. That's how my mortgage assistant, Natalie Phelps, and I approach our service to you. Natalie is also available to answer any questions for you or help you get started with your loan application. As a former teacher, she is a patient, clear communicator and does a fantastic job helping to keep everything organized. Natalie is a Seattle native that has lived in worked in many parts of the world. You can reach her by email at natalie.phelps@homestreet.com or call her at 206-264-4232. Follow her on LinkedIn.

We all have unique stories and our homes are an integral part of those stories. Getting a mortgage is never a one-size-fits-all experience. It involves getting to know you and what works for you, engaging in your story with you and making it all come together.

I'm a husband and a father and a dog-owner. I love to golf, ski, run, and read a good book. I live with my family in West Seattle and I look forward to seeing you soon.

  • HomeStreet President's Club 2009-2013
  • HomeStreet Circle of Excellence 2009, 2011, 2012
  • Five Star Mortgage Professional Award 2010, 2012, 2013
  • Member of Phi Beta Kappa and Beta Gamma Sigma national honor societies
  • Currently serving on the Board of Directors of Boyer Children's Clinic in Seattle

First-Time Homebuyers

No experience? No problem! We'll walk through everything together and find the perfect plan for your first home purchase.

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!

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.

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Move-up Buyers

When you're ready to make that next move, we'll look at all strategies and lay out the best plan forward.

Eric- House, Magnolia/ Seattle

If you think that buying a house is a big decision, and you need top-notch support on getting the right loan for your needs, then you need to work with Ryan. Ryan took the time to understand my family's financial situation and our goals. He listens well and is very responsive, but was unafraid to make an alternate suggestion when he thought there was a better way to meet our goals. Through every step of this big decision for my family, Ryan was there. He patiently answers any and all questions, walked me through several "what-if?" scenarios, and helped us get into the house we wanted with the right loan for us. I cannot give a more stronger recommendation for Ryan. I'm also happy that HomeStreet Bank will service our loan, and if there are any questions or problems in the future, I know Ryan is there to help. You will not get this kind of service with the mega-banks.

Troy & Lisa- House, Wallingford/ Seattle

When I mentioned that I was working with Ryan at Homestreet, my real estate agent breathed a sigh of relief. “Homestreet is great,” she said, “that’s one less thing for us to have to worry about going smoothly.” And sure enough, Ryan was fantastic. Our home purchase was plenty complicated, and yet nothing seemed to phase him. He’d calmly (and quickly! Wow, that guy is fast) revise our loan package to explore creative workarounds to each roadblock we threw at him. He was always super responsive, to the point where I felt guilty getting so much of his attention. And most importantly for our sanity, Ryan was especially good at calmly and thoroughly explaining just enough of the behind-the-scenes details that we could have faith we were exploring the right options. Thank you so much, Ryan, for shepherding us through the home-buying process. Homestreet is lucky to have you!

Kelsey- House, Woodinville

Working with Ryan was a breeze. He was very professional and considerate of our needs. If there was a time I could not reach Ryan directly he was very quick at getting back to me. I really appreciate how hard he worked to help us get the house we wanted. Thank you very much Ryan, I will recommend you to my family and friends.

Ben- House, Kenmore

I can't say enough about the help we've received from Ryan Maxwell. We've been working with him on our complex housing situation that involves working through all kinds of scenarios (remodel, rent, buy, buy/rent) in order to get our large family into a house that is appropriately sized. It has been a two-year process-- still not finalized-- but Ryan has readily and thoroughly answered every question, met with us, and tirelessly offered up his expertise all along the way. Moreover, he is genuinely sympathetic to our needs, and has been dedicated to helping us find a situation that makes sense for our well-being and financial position. It has been a nerve-wracking and difficult journey navigating these difficult economic times, but with Ryan's problem-solving talents at our disposal to research every last possibility, I know I will have confidence that we've made the best possible decision when we reach our final goal. I honestly don't know how anyone could navigate the complexities of the current economy without someone like Ryan!

Constanza- House, Greenwood/Seattle

I had a great experience & wanted to express my thanks to Ryan for an extremely smooth closing. THANK YOU! Andy- House, Seattle Ryan was extremely helpful & thorough in his explanations of the process. I chose HomeStreet because I felt like Ryan would be the BEST loan officer to work with.

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Second Homes and Investment Properties

When it comes time to buy another property, whether a vacation cabin or an investment four-plex, I'll help you navigate all the options.

Robert– Family Cabin in the Cascades

I couldn't have asked for anything more from Ryan. Our situation was complex with a total of four co-borrowers. The loan was being processed during a time of great uncertainty with the federal government shutdown and the federal debt limit being reached on our closing day. The loan was for a vacation home rather than a primary residence. None of that negatively impacted the process and Ryan and his assistant were great. They got the loan approved, got us a great rate and made the process as easy as possible. I highly recommend Ryan for your mortgage needs.

Caroline- Investment Condo, Wallingford/ Seattle

I had an excellent refinance experience with Ryan and HomeStreet. I used HomeStreet to purchase a Seattle home in 2005 and have never had any problems with servicing. Our original agent no longer works for HomeStreet, but we knew Ryan and wanted to stay with HomeStreet so we refinanced through them. The process was smooth, even though we now live in Maine. Ryan helped calculate the break-even period - under six months! Our monthly payment is lower and we now have a better interest rate. I called one big bank and a couple of credit unions to comparison shop, but HomeStreet offered the best deal, hands down. I highly recommend both Ryan and HomeStreet.

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Loans for Real Estate Agents

I am honored to have assisted many of my partners in the industry with their own loans.

Adam Hestad- Real Properties Associates, North Seattle

I have worked with Ryan on a number of occasions, both for my own personal home re-fi and as a professional real estate broker. I work as a real estate broker in Seattle and always recommend that my buyer clients talk with Ryan about their mortgage needs. He is responsive, knowledgeable and always builds great rapport with the client. Everyone I know who has worked with him has appreciated his helpfulness and follow through. I also appreciate that Ryan is creative helping people to think outside the box but not pushy to the point of making them uncomfortable.

Julie Carlton- Windermere, Shoreline

I have worked with Ryan and highly recommend Ryan if you want to get a loan and get it closed. He works very hard and truly takes pride in what he does. He is my No. 1 lender who provides an outstanding service to all. He keeps you informed and is there when you need him. He has worked on some very difficult deals with me where a borrower needed someone to pay extra attention and go to bat for them and Ryan definitely got the loan approved and got it closed.

Dale Wampler- RE/MAX JUNCTION, West Seattle

Ryan was great to work with – very on top of everything & was always available to answer questions. Roger Morris- Coldwell Banker Bain, Capitol Hill/ Seattle In my first two opportunities that I interacted with Ryan, he won me over! I had some pretty difficult buyers who Ryan was working with (they had found him and I figured if he could work with them he was good). Shortly thereafter, he was the lender for some buyers who were purchasing a home I had listed. In both cases, the process was seamless and the service level was high. Ryan is now on the top of the list when I need to refer anyone to a mortgage lender. His standards of performance are what I expect of myself, and he is superb about staying in touch, answering questions, and making the process go smoothly. Highly recommend!

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Refinances

Reduce your payment or take some cash out - I'm always happy to review your current loan to look for new opportunities.

Tim- House, View Ridge/Seattle

My wife and I have closed two loans through Ryan. His primary motivation is to serve his clients, which he does with rock solid integrity, a lot of creativity and a real interest to serve. His word is his bond and he goes above and beyond to make it so.

Wes- House, Woodinville

More than once, Ryan made the typically stressful and confusing mortgage process one that is pleasant and confirming. He bent over backwards for us to get us the best loan products/rates and was full of honesty and integrity along the way, which is very important for someone dealing with your finances. Ryan is a great asset to have on your side and I have recommended him to every possible customer I have come across.

Ryan- Duplex, U-District/Seattle

Ryan works hard to not just find you the best deal on mortgages and re-fi's, but excels at making the process simple and unintimidating.

Carsten– House, Redmond

Ryan is very knowledgeable, responsive, and extremely helpful in guiding his clients though the entire lending process from start to finish. Customer Service at its best! I will never use another lender for any real estate financing needs.

Cindi- House, Ballard/ Seattle

Ryan worked with my husband and I recently to refinance our home mortgage. We found it to be an extremely positive experience. Ryan kept us informed during the entire process and made each step easy and stress-free. He is accessible, trustworthy, knowledgeable, personable, and professional. After our experience, we will recommend Ryan Maxwell without reservation to friends and colleagues.

Matt- House, Bellevue

I have refinanced three times thus far in my life and Ryan is the best Mortgage Broker I have worked with. He has an in-depth knowledge of the marketplace, was very responsive, and ultimately helped us get a great deal.

Brad & Julie- Condo, Lynnwood

Our experience with HomeStreet and Ryan Maxwell was fantastic. Smooth, easy to reach Ryan, and without a hitch. Ryan always kept us abreast of what was going on and made the refinancing process extremely efficient. Thanks Ryan for all your help!

Tim- House, Woodinville

Ryan has been a very reliable and trustworthy broker. I have had the opportunity to retain his services on three separate occurrences. Ryan has always been prompt in putting together mortgage options for myself and my wife. His professionalism and diligence in seeing the process through to completion has been greatly appreciated.

Karen- House, Bellevue

Ryan, Everything went well [at signing] and it all came off without a problem. I really appreciate your help on this venture. In the five or six weeks it took for [the competition] to go back and forth with us resulting in nothing other than hypothetical numbers that were going to be put through the "prime filter" in some century, you talked to me, got the whole deal put together (including appraiser and escrow people) and we were good to go. Done deal. It was a great experience and we will not hesitate to recommend you to others.

Dave- House, Ballard/Seattle

Ryan did an excellent job answering my many questions and helping me through many scenarios. When it came time to handle closing documents, he was on top of everything and all went off without a hitch. A thousand thank yous to you, Ryan!

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Renovation and Construction Loans

Thinking of building your dream house, a major remodel of your current house, or buying a fixer? We have the right loan programs to get the job done.

Dave and Ashley, Renovation

I didn't think our homebuying situation could have been more complicated, but Ryan Maxwell was the captain of our team that got us our dream home! We were buying a HUD home that needed a lot of rehab work, but with Ryan's help, responsiveness, and knowledge of the complicated process, we closed on time and it couldn't have gone smoother. We have since moved all of our banking to HomeStreet Bank specifically because of the experience with Ryan. We couldn't recommend him any higher!

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