★★★★★
“It truly feels like Ryan’s on your side.”
Kent · La Palma, California
Purchase client · Zillow · August 2026SOUTHERN CALIFORNIA ROOTS · NATIONWIDE REACH
A home is personal.
Your mortgage
should be, too.
Clear numbers. Thoughtful guidance. A financing plan that makes sense for the life you’re building.
Buying your first home or planning your next chapter?
Let’s make the next step a little clearer.
A PERSONAL APPROACH
TO A BIG DECISION.
TO A BIG DECISION.
YOUR MORTGAGE PARTNERRyan Hanson
NEWPORT BEACH, CA ↗Mortgage Loan Originator · NMLS #1912119
ROOTED IN SOUTHERN CALIFORNIA. LENDING IN ALL 50 STATES.
Orange County — San Diego — Los Angeles
01 / YOUR NEXT CHAPTER
Where do you want to go?
Start with your goal.
We’ll work through the details together.
01
Buy a home.
Understand your payment, explore down payment options, and plan your next move.
Start purchase questions 02Rethink your loan.
See how a different rate or term changes the payment—and the longer-term picture.
Start refinance questions 03Plan what’s next.
Exploring home equity to pay down debt? Compare monthly payments and understand the trade-offs.
Explore debt consolidation02 / THE MORTGAGE STUDIO
Less guesswork.
More perspective.
A rate is only part of the story. Put two fixed-rate scenarios side by side and see what changes.
ILLUSTRATIVE EXAMPLES · NOT LIVE RATES
Make it your own
Compare two loans for the same home. Enter closing costs paid out of pocket, excluding down payment.
YOUR SIDE-BY-SIDE VIEWFIXED-RATE
Option A
—
estimated total / monthOption B
—
estimated total / month| The details | A | B |
|---|
THE TRADE-OFF
—
Illustrations only; not an approval, rate quote, APR, or Loan Estimate. Fixed-rate, fully amortizing loans with monthly payments; no extra payments. Monthly totals include the amounts entered for taxes, insurance, HOA and mortgage insurance. These costs may change. Closing costs are assumed paid in cash; prepaids, escrow deposits, credits, and other cash-to-close items are not modeled. Five-year financing cost = interest paid over the first 60 months + entered closing costs; excludes principal and housing expenses. How to read a Loan Estimate
RH
AN ANALYTICAL MIND.
A PERSONAL APPROACH.
03 / MEET RYAN
Good decisions start
with understanding.
I’m Ryan. My engineering background and MBA from UC Irvine shape how I think about home financing: work through the details, make the trade-offs clear, and keep your goals at the center.
Based in Newport Beach, I bring a local perspective to Orange County, San Diego, and Los Angeles—and help clients with mortgage lending in all 50 states through U.S. Bank. For local real estate agents, I’m a nearby partner. For clients buying or refinancing across the country, I’m a familiar point of contact wherever the next chapter takes you.
A SIMPLE PLACE TO START
01 / TALK
Tell me what matters.
Your timeline, your priorities, and what a comfortable payment looks like.
02 / EXPLORE
See the whole picture.
Review financing scenarios and the documents needed for the next step.
03 / MOVE FORWARD
Make an informed move.
When you’re ready, continue through U.S. Bank’s secure application process.
A LITTLE CLARITY
Good questions.
Straight answers.
Do you only lend in California? +
No. I’m based in Newport Beach and work closely with clients and agents in Orange County, San Diego, and Los Angeles, but I can help with mortgage lending in all 50 states. Individual loan programs, including home equity products, vary by location and eligibility.
Is the calculator a loan quote? +
No. It illustrates fixed-rate loan math using the numbers you enter. A personalized quote and Loan Estimate account for your situation, loan program, fees and current pricing.
Does the payment include taxes and insurance? +
The total includes the monthly taxes, home insurance, HOA and mortgage insurance you enter. Expand the monthly-cost fields to adjust them. These estimates can change over time.
How should I compare a refinance? +
Enter your current balance, current rate and remaining term as Option A, and the proposed loan as Option B. Compare the payment, closing costs and remaining balance together. A longer term may lower payments while increasing total interest.
Where do I send documents or apply? +
Use U.S. Bank’s secure application process or contact Ryan for instructions. This website does not accept documents, Social Security numbers, or loan applications.
CLIENT PERSPECTIVE
Hear from people
Ryan has helped.
Choosing a mortgage partner is personal. Explore a few recent client experiences, then visit the full review profiles.
4.98 · 44 Zillow reviews
5.0 · 14 Google reviews
YOUR NEXT STEP
Let’s put a plan
behind your next move.
You don’t need to have every answer.
That’s what the conversation is for.