Letters from my heart

Michael Ryan - Mortgage Broker

Letters from my Heart

  • November Letter From My Heart

    Welcome to the Month of Giving Thanks, With economic numbers, we often see both winners and losers. The winners: Home owners benefiting nicely from a return to strong appreciation. Those not so lucky: First-time buyers chasing these rising prices. Equally difficult are those seeking a mortgage below $100,000 – a market where competitive financing is […]
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  • Residential Lending Successes for October

    Good morning to the cooler days of October, This month a bit of change.  The hope is to: 1) bring focus on a sense of our market, along with, 2) a word or two on how we might further serve the needs of you and your friends. I.  As to our market: August and September […]
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  • Commercial Lending Successes for September

    Good morning to the economics of hurricanes; Roughly $200 billion of private wealth and public infrastructure was destroyed in Texas and Florida.  For investors, one measure of immediate concern will be unemployment.  In addition, the pace that tourism recovers in Florida and the speed Houston refineries come back on-line, will both heavily influence our GDP.  […]
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  • September Residential Lending Successes

    Good morning to September As we enter the Fall season of schools re-opening and football, a quick review of real estate in the fall, might be fun. Historically the second half of the year slows from the torrid pace of Spring. We also find differing type or attitude of Buyers. In the Spring, you might […]
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  • Residential Lending Successes for August

    Good morning to August days A mid-year review lets us know this should prove to be another year of strong economic growth.  And as we look back over the last 5 years, we see our markets have shown an annual 6+ % appreciation.  It has been a remarkable period of time. Even more, before this […]
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  • Your August Letter From My Heart

    Good Morning to Summer Fun, Last month, we focused on lending programs designed especially for our Veterans. This month, let’s offer some perspective on Reverse Mortgages – a HECM lending program. The good news for our mature clientele: The Reverse Mortgage is but one of 8 available options. This means more choices to best fit […]
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