Ryan Van Til
Your Mortgage, My Priority.
Personalized lending strategy with direct access to 50+ wholesale lenders. Based in San Diego with roots in San Luis Obispo, serving all of California.
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Volume Closed
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Loans Funded
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Lenders
My Approach
How I Work
I grew up in this industry — my family has been in mortgage lending for over 25 years, so I was learning about underwriting, rate locks, and loan structuring long before I got licensed. That background means I know the product side inside and out, and I use it to find the right fit for every borrower.
As a Mortgage Advisor with Pacific Trust Mortgage, I have access to 50+ wholesale lenders. That means I'm shopping the entire market for you — best rate, best terms, best program for your situation. No retail markup, no one-size-fits-all.
Whether you're buying your first home, pulling cash from equity, or building out a rental portfolio with DSCR or bank statement loans, I put together a plan around your goals. Straightforward communication, clear timeline, and we close on time.
San Diego
Central Coast
Ryan Van Til
Mortgage Advisor · NMLS #02336853
Specialties
Loan Programs I Specialize In
From first-time buyers to seasoned investors, a full product suite for every scenario.
My Commitment
What You Can Count On
The biggest complaints in the mortgage industry are poor communication, hidden fees, and missed deadlines. Here's how I hold myself to a higher standard.
Same-Day Responses
Every call, text, and email gets a response the same business day. You'll never feel left in the dark wondering about your loan status.
No Surprises on Fees
Your rate, fees, and closing costs are disclosed upfront on your Loan Estimate. What you see at application is what you'll see at closing.
On-Time Closings
100% on-time closing record. I manage your file proactively through underwriting so nothing stalls or causes last-minute delays.
Submit Docs Once
I use Floify to organize and track every document you upload. You won't be asked for the same pay stub or bank statement twice.
Rate Lock Advice
I'll advise you on when to lock vs. float based on market trends and your close date — not leave you guessing while rates move.
Your Best Interest
With 50+ lenders, I recommend the program that fits your goals, not the one that pays the highest commission. Your trust is worth more.
Where I Work
Licensed Across California
Based in San Diego with deep roots in San Luis Obispo, serving buyers, homeowners, and investors statewide.
San Diego
Home base in America's Finest City. Purchase, refi, and investment loans across San Diego County.
Central Coast
Local expertise for SLO County buyers and homeowners. This is where I grew up.
All of California
Licensed statewide with access to every major loan program. Wherever you're buying, I can help.
Testimonials
What Clients Say
Ryan made our home purchase completely stress-free. He was always available, walked us through every step, and locked in a rate lower than we expected. We'd recommend him to anyone.
Jennifer V.
Purchase, Conventional
I was new to investment properties and had a ton of questions about DSCR loans. Ryan was patient, broke everything down clearly, and got my loan closed in under three weeks.
Daniel R.
Refinance, DSCR
Get to Know Me
Video Introduction
See who you'll be working with before we even connect.
Coming Soon: Video Introduction
A short personal introduction so you can put a face to the name before we connect.
Let's Connect
Book a Call
Schedule a free, no-obligation consultation to discuss your mortgage goals. Whether you're buying, refinancing, or investing, I'll walk you through your options and build a strategy that fits.
Take the First Step
Get Pre-Approved Today
Apply online in under 15 minutes. I'll review your file and issue a pre-approval, typically within 24 hours.