Carole Ryan – Broker/Owner
BC Ryan & Associates, Inc. dba Mortgage Express
Employment Duration – 24 years in mortgage Lending
College: B.S. Law Enforcement – Texas State University – San Marcos, Texas
Activities: Chi Omega Sorority – Strutter Drill Team
In 1992, I was lucky enough to start my mortgage career with a company that had an FHA DE underwriter in our office. As a “newbie” I knew very little, she basically took me under her wing, taught me underwriting guidelines, & more important, how underwriters analyze a file. I learned how to package a loan for successful approval. That early training has served me well in my career. Over the next 15 years, my husband & I were partners in or managers of our wholesale mortgage banking operations. This gave me an opportunity to gain experience & exposure too every facet of the mortgage business. This hands-on experience gave me valuable knowledge that has allowed me to develop a “Truly Personalized Experience” for my clients. The financial crisis in 2007 caused a lot of us in the mortgage business to rethink how we would continue. In 2008, I made the move from mortgage banking to Mortgage broker & opened Mortgage Express. I knew with my previous experience I was totally capable of “doing it all”.
Every borrower has a unique story, it’s my job to uncover it, pull supporting documentation together, package the loan for successful submission & approval. When the file is cleared to close, I order docs, work with escrow to coordinate closing/funding, making sure I consistently meet or beat, the closing schedule per the purchase contract.
The biggest benefit to my clients… I work with the top lenders in the country, which allows me access to a variety of loan programs, great rates, and quick turn around. My clients also have the benefit of only dealing with me, start to finish. They have total access to me based on their schedules, from the comfort of their home. I’m available by phone, e-mail, screen shares & text after hours and on week -ends. Please take the time to check out my reviews from past clients, it will give you an idea of the “Truly Personal Experience” I Provide, some might call it my USP..I call it my Secret Sauce!!