Ryan Singer, Executive Loan Officer at Independence Home Loans · NMLS 1520306
VA loans are about 90% of what I do: IRRRL streamlines, VA cash-out refinances and VA purchases for veterans and military families nationwide, plus every major loan program for everyone else.
Apply NowLeave a 5 ⭐️ Review 5.0★★★★★41 borrower reviewsA refinance can be a smart move, or an expensive one. Here's how to tell.
Every refinance has closing costs. Divide them by your monthly savings to get your break-even point. If you'll move or refinance again before then, or if restarting your term adds more lifetime interest than it saves, waiting may be better. I'll tell you honestly if that's the case. Try the break-even calculator →
Ryan Singer was absolutely incredible throughout the purchase of our new home. From start to finish, he made the entire loan process smooth, stress-free, and easy to understand. His communication was outstanding, he moved quickly, and he was always available whenever we had questions.
We recently worked with Elevated Home Loans on a home equity loan, and the entire experience was outstanding from start to finish - easy, quick, and seamless. Communication was excellent throughout, expectations were clear, and every step … More
I had an outstanding experience with elevated home loans during my refinance. The entire process was quick, easy, and transparent from start to finish. The team was professional, informative, and very communicative throughout every step, … More
I've worked with other companies before on Home loans. But these people seem to go through the extra mile and they want you for life. They don't want you just for your loan or your money. I had the most pleasant experience with this company. Thank you, gas
Working with Elevated Home Loans was a pleasure everything was great as they said it would be. We feel they really did us right!! Very honest Company.
My overall experience with Elevated Home Loans was nothing short of amazing. Ryan is an exceptionally knowledgeable and experienced loan officer whose expertise is evident from the moment you meet him. He transformed the often stressful … More
They vary with your loan amount, program, title and escrow fees, and whether you buy down the rate. You'll receive an official Loan Estimate itemizing every cost before you commit, and costs can often be financed or offset with a lender credit.
It depends on the program. VA and FHA are generally more flexible than conventional or jumbo loans, and lenders set their own minimums. Send me your situation and I'll tell you honestly where you stand.
Many refinances close in roughly 3 to 6 weeks. VA IRRRLs often move faster because there's less paperwork. Timing depends on appraisal, title, your servicer and how quickly documents come in.
No. Talking through your goals and reviewing your mortgage statement doesn't affect your credit. A formal application includes a credit check, and I'll let you know before it's pulled.
When you won't keep the loan past the break-even point (closing costs divided by monthly savings), when the savings are minimal, or when restarting your term adds more lifetime interest than it's worth. I'll tell you if waiting is the better move.
VA loans are my specialty and most of my business, but I work with all major programs, including conventional, FHA, jumbo, USDA, renovation and investment property loans, for purchases and refinances.
I lend nationwide through Independence Home Loans LLC (NMLS #2524174).
Is Ryan licensed in my state? If your state is listed above, yes: Independence Home Loans is licensed there. Not listed? Call me anyway and I'll point you in the right direction. Verify any time on NMLS Consumer Access.
Get a straight answer on whether refinancing or buying makes sense for you. No pressure, and checking your options doesn't affect your credit.
Or text/call (480) 300-7769 · rsinger@independencehl.com