Ryan contacted me when the market looked really good for our home refi. At the time, I had a million things happening in my life. Ryan kept me up to date and was super patient with my situation. Even though it took 3-4 months before it was a good time to really work on a refi, Ryan hung in there and made sure that I had accurate and up-to-date information without pestering in the least. When it was time to refi, he acted quickly and accurately, checking with us ever step of the way. He was happy to calculate and recalculate the best solutions for us, and when it came time to roll up his sleeves and do the heavy lifting, he was awesome.
I highly, highly recommend Ryan for any of your Mortgage needs... even if you are not sure that now is the right time. He will help you find the right time even if it takes a while.