Trust in the Beard is the mortgage practice of Ryan Hrisca, NMLS #230070, working with buyers and homeowners across California. Conventional, FHA, VA, down payment assistance, refinance and HELOC. No up-front fees, and you will know every one of your options before you decide.
Apply NowPurchase and refinance with education, not sales.
Whether it is Conventional, FHA, VA, down payment assistance, Non-QM or any other creative financing available, we will walk you through all of it. Understanding the three buckets of closing costs, knowing what discount points really are, and seeing the actual cost of each program will leave you making the best decision for your family.
See purchase optionsLenders advertise no-cost refinance options constantly. The costs are always there, either rolled into the balance or bought with a higher rate. We will take the time to show you how we do ours and save thousands.
See refinance optionsWhether you are buying your first home or your next investment, our Homebuyer Academy breaks the process into quick, easy to watch videos. You get the knowledge and the confidence to go from just looking to keys in hand.
Explore resourcesBefore you look
Not what a lender will approve you for. What fits the payment you are comfortable with, once taxes and insurance are in the number.
You could purchase up to
$0Estimated maximum purchase price
A rough guide on a 30 year loan, a 49 percent debt to income limit, taxes at 1.25 percent and insurance at $2,400 a year. Not a quote and not an approval. Ask Ryan to price it properly.
Get full accessExplore your options and find financing that fits.
Rates
Look anywhere, online, big banks, credit unions, every mailer you have ever received, and you are looking at teaser rates. They advertise the best case scenario, which is almost certainly not your scenario, and charge points for a rate below market. The phone rings, and the costs show up at closing.
Fifteen years ago rates moved a quarter point over a month. Today the market is volatile, and the secondary market updates rates three times a day: at open, mid-day, and late afternoon.
Apples to apples. Pricing from the same day, for the same scenario. A quote from Tuesday against a quote from Thursday tells you nothing useful.
It starts with a conversation, not a sales pitch. We listen to your goals, answer your questions, and map out what comes next.
Turn your goals into a clear plan. From application to pre-approval, we guide you through every step.
We explain your options, the differences, and what they mean for you, so you can choose with confidence.
When the right home comes along, you will know what to do and why. Guidance and communication when it matters most.
Find out what you would qualify for, or bring us a quote and we will review it together.
