Phone: (413) 200-3954
Cell: (410) 977-4034
Email: gryland@polarishomeloansllc.com
NMLS: 2114296 View Licensed States
Gregory Scott Ryland Let me help you through the process
Hi, I'm Gregory Scott Ryland, a licensed loan officer with the Maryland Center of Polaris Home Loans, LLC.
This is my personal Loan Officer Landing Page, where you can find out a little bit more about me and how I can potentially help you with your home loan needs.
If you choose to work with me, you'll get constant communication, quality service, and the respect you deserve. Whether you are ready to buy now or need support and guidance to become approved eligible down the road, I will work diligently with you to achieve your financial goals. I have been helping clients navigate consumer financing for over 20 years and my industry knowledge and expertise can be your resource throughout your mortgage process. Let's connect today and begin discussing how I can help!
A little about me to help you get a sense of who I am. I was born and raised in Baltimore, MD, and studied business at Western Maryland College in Westminster, MD. I now live in Owings Mills, MD. I have 4 children (Jordan, Alaina, Egan, and Stephanie) and two dogs named Blitzen and Nala.
When I am not helping people optimize their mortgage programs, I like to spend time golfing, exercising, and woodworking!
I truly appreciate every chance I get to help a new homeowner or existing mortgage holder improve their outlook for the future with a strategic and meaningful home financing program. Reach out today and let's see how I can help you today!
Home Refinance Loans without the Hassle!
Need refinancing options on a home, or other real estate? Choosing a refinance product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home refinance process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE refinance analysis request.
We’ll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether this is your first refinance or 7th.
The Home Refinance Process
Here’s how our home refinance process works:
- Complete our simple home refinance analysis request.
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Why Refinance?
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home’s equity.
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We're here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We'll help you clearly see the differences between loan programs, allowing you to choose the right one for you whether you're a first-time homebuyer or a seasoned investor.
The Home Purchase Loan Process
Here's how our home purchase loan process works:
- Complete our simple mortgage pre-approval letter request
- Receive options based on your unique criteria and scenario
- Compare mortgage interest rates and terms
- Choose the offer that best fits your needs
Do I qualify to buy a home?
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of "43/49." This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case-by-case basis.
