Jim Ryan is a Senior Mortgage Loan Officer that represents home buyers best financial interests. Like an attorney checks and balances your legal best interests, Jim helps you to navigate your mortgage best interests. Since the financial crisis of 2007, having a loan officer that knows the options available in today’s overly regulated mortgage environment is the difference between going to a closing table and wasting all your time and money.
Jim was born in Milwaukee, WI, the beer and frozen custard capitol of the world. At a young age his family moved to Hartland, Wisconsin, where Jim spent his childhood learning good country values.
Jim got his start in the mortgage industry just as the sub-prime melt down started. Having never originated a sub-prime loan Jim was able to adjust without problem. "Change is opportunity" is how Jim looks at the current mortgage market. "Loan Officers who knew every underwriting guideline and all of the details on every program even as recently as 2013 know nothing now," says Jim. "Nowadays it’s all about compliance with federal laws and documenting everything. If loan officers don't have bullet proof systems combined with a solid company and great team standing behind them, they will likely fail."
Jim also has a passion for technology and being as efficient as possible. He is regularly shooting videos showing the do's and don'ts of securing a mortgage.
He believes in making an ‘easy button’ for his clients. "If I've been asked a question more than 3 times I shoot a brief video to cover the topic," says Jim. "If I can help people to understand how it all works and how to avoid mistakes it’s worth the time. An Ounce of Prevention is Worth a Pound of Cure."
Throughout the years Jim has managed to pull off some pretty amazing closings. Some of the clients in these pictures were denied and told ‘no’ elsewhere. Some just didn't see home ownership as a real possibility. Jim is one of the few lenders left with a passion for helping people achieve their dreams. With all of the crazy regulation that exists in 2014 Mortgage Lending, it's nice to have someone with experience on your side.
A little about Jim:
Jim was born in Milwaukee, and he is a Wisconsinite to the core. At a young age his family moved to Hartland, Wisconsin, where Jim spent his childhood learning good country values. Jim got his start in the mortgage industry in 2008 where he quickly adapted to all of the new rules and regulations implemented around that time. Jim’s passion for mortgages and his clients has carried him successfully through years of increasing regulation and changing requirements. Jim has coined the phrase “positive-spin,” meaning he seeks to find the good in even seemingly bad situations. Jim’s upbeat personality, dedication, passion, and creativity has earned him the reputation of closing tough deals and getting clients into their dream home even if they have been told “no” elsewhere.
Check out the Chynoweth's on their special closing day. Great Closing Dance put together by Mom.
Check out this Closing Dance...... This could be you:
Check out how excited the Reilly's are at their first closing... Closing Dance included!
Robbie Gunderson (below video) found out first hand what it feels like to realize his goal of buying his child-hood dream house. With just 3.5% down, Jim Ryan was able to make his dream a reality. Robbie could have simply given up when his local credit union told him no. But "Look at me now!" Robbie says. Check out his "Closing Dance" below.
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Jim Ryan | Envoy Mortgage, LTD
20300 Water Tower Blvd; Suite 215
Brookfield, WI 53045