Ryan Hoffman is a Senior Loan Officer at Coast Home Loans with over fourteen years of experience in the mortgage industry, continuing a family legacy that spans more than thirty-three years. Known as the “mortgage doctor,” Ryan excels in diagnosing and prescribing the right mortgage plan for each unique situation. Combining technical expertise with a personable approach, he makes complex ideas easy to understand, ensuring clients feel safe and protected. His deep knowledge and commitment to exceptional service help clients navigate the home loan process with confidence and ease.
CA and AZ: NMLS ID# 328865, CA DRE ID# 01879541, AZ MLO Lic# 0942494
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in California? Rates are historically low and now may be the right time to start saving money every month!
Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!
