If you are looking for someone who is honest, trustworthy, timely, organized, and professional please use Ryan! I was not referred to Ryan! I simply looked online at his reviews and decided to give him a call! I am so thankful I did! I refinanced my home and Ryan made the process very smooth! I literally closed the deal within less than 5 weeks! There was no back and forth unnecessary phone calls. When he needed something, I provided it right away and he went to work on my loan! I have never experienced a lender this precise and professional! I will definitely use Ryan Caldwell again in the future! I will also refer other people to him! Look no further! Call Ryan!