A PROFESSIONAL MORTGAGE PRACTICE

RECOGNIZED BY SCOTSMAN GUIDE AS ONE OF THE “TOP 50” LOAN ORIGINATORS IN THE NATION IN 2014, 2015 AND 2016, RYAN GRANT IS BOTH HIGHLY DECORATED AND WIDELY RESPECTED AMONG HIS CLIENTS AND PEERS FOR HIS OUTSTANDING CUSTOMER SERVICE, INTEGRITY AND SERVANT LEADERSHIP. AFTER MORE THAN 12 YEARS IN THE INDUSTRY, HE HAS EXCELLED AS AN ORIGINATOR, MANAGER AND BUSINESS OWNER. TODAY HE IS A PRODUCING BRANCH MANAGER FOR BENCHMARK MORTGAGE, WHERE HE HAS THE DISTINCTION OF OPENING THE COMPANY’S FIRST BRANCH OFFICE IN ORANGE COUNTY.

Early in his life, Ryan pursued his goal of becoming an attorney. He earned his bachelor’s degree in law and society from UC Santa Barbara and was accepted to law school. He then decided to take a year off to save money to pay for school and followed his brother-in-law to an opportunity in mortgage lending. “I loved it and realized I was good at it. I enjoyed helping people with a combination of being a consultant, working with numbers and having an immediate impact on peoples’ lives.”

Ryan’s passion and aptitude for the industry quickly opened doors to greater and greater opportunities, and he eventually accepted a position as regional manager for a brokerage firm in Orange County.

MASTER OF HIS OWN DESTINYWhen the market crisis was about to hit in 2007, Ryan did something that many would find shocking – he started his own company. He reasoned that an aggressive, proactive approach was the only way to deal with what was coming. “I knew it would be tough for the company to stay afloat, but I needed to be able to steer my own ship.”

That strategy worked, and two years later, he merged with a San Francisco-based company. “I helped them start their retail division and became the director of retail operations. In 2010 when interest rates moved up, I really wanted to get back into the relationship-based side of finance and focus on purchases rather than refinances.”

I have always been a proponent of leading by example.- Ryan Grant“ ”

Ryan reinvented himself once again and moved his team to a Newport Beach based Lending Company, where they excelled for 4 1/2 years. Ryan describes this period as the beginning of his second career in the industry, during which his shift from management to origination required that he build a client base from the ground up. “I didn’t have a big client list and had done hardly any purchase loans up to that point. I had to get out and make a name for my team and impress people with the way we helped our clients.”

Over time, Ryan’s strategy for success moved from generating volume through high saturation of the market, to a more focused, consultative approach. “Once I started taking coaching classes and understanding the business to a deeper degree, I stopped trying to be everything to everyone, and instead began focusing on being the right things to the right people.”

Ryan’s concentration is now trained on cultivating the highest quality relationships with an exclusive community of strategic partners, including Realtors®, real estate and estate planning attorneys, CPAs and financial advisors, all of whom are committed to working together to guide customers through a continuum of financial choices and outcomes.

“We’ve gotten very specific about who we are working with and why. We all have a mutual level of respect and success. When we achieve success, we achieve it together. If anything goes wrong, it’s not anyone’s fault – we just fix it and make sure the client remains the number one focus. When clients see us work as a team, it’s a powerful thing. They realize they’re working with professionals who are on the same wavelength, so they know what to expect.”

Ryan has built a business that is firmly based on customer service, using lending as a financial tool to help clients do more than simply meet their objective of buying a particular house. “All of our systems are geared to helping people build wealth in the short term and long term. We believe in financial planning through real estate. When moving from one home to another, we help clients see if it’s possible to accumulate real estate rather than sell. We know our clients’ goals, financial plans and family plans because we talk not just to them, but to their other financial advisors.”

Armed with a complete understanding of his clients’ financial goals, Ryan follows up every year with an annual review. “On the anniversary of their loan, we talk about whether they are still comfortable or if there have been changes in their life that are causing them to think about moving up or down. I also monitor their mortgages throughout the term of their loan and proactively manage it the same way a financial advisor would manage their assets, making sure they don’t miss an opportunity to save money or leverage equity to consolidate.”

SOMETHING BIGGER THAN THEMSELVESRyan describes his team as “a core of elite people who know their jobs and are the best at what they do.” He has developed a highly systematized, replicable and consistent system for every process. And if it is ever discovered that there are holes or duplications, steps are taken to redefine roles and hire help where it is needed. Ryan is an effective delegator, who trusts and respects his team, all of whom are working toward the same goal: having a client for life.

Ryan’s is supported by his team of outstanding professionals which includes - Angilla Wang, Aaron Hanson, Amit Singh, Eric Vavere and Joseph Terranova and are all talented and experienced loan consultants who share Ryan’s consultative lending approach.

Ryan takes his responsibility as a leader very seriously, because he believes “the number one inhibitor of business growth is its’ leader. You hear in coaching that you can’t do it all by yourself. More than anything, I want everyone to know they are part of something bigger than themselves. We’re all working toward the same goal of customer service excellence. But it’s not about the money – that’s just a byproduct of what we do. Our real ‘why’ is making an impact on people’s lives.”

Working with quality people drives me to work hard.- Ryan Grant“ ”

Ryan has grown in his personal life as he and his wife, Brianne, have welcomed their second child, another daughter, Juliette. Their 2- year-old daughter, Kyla, is a source of light and inspiration to her parents. Ryan is also a long-time athlete who still makes time to play basketball and golf.

“I have always been a proponent of leading by example,” Ryan says. “I get into the office early and stay late. Working with quality people drives me to work hard. I may not be the smartest guy in the room, but I think I care the most, and I have an amazing team. There’s no way I could have done this by myself.”

I stopped trying to be everything to everyone, and instead began focusing on being the right things to the right people.- Ryan Grant

“”

RYAN GRANT TEAM VALUE PROPOSITION & COMMITMENT AGREEMENT

• Check the online reviews and client feedback to see what others are experiencing. Just Google “The Ryan Grant Team Mortgage Reviews.”

• Full review of current financial situation, short and long term real estate and financial goals and budgeting/wealth accruement plan.

• Full Credit review and analysis with the ability to improve the FICO score to obtain the most desirable loan terms.

• In person, face to face Pre-Purchase Consultation with an in depth financial analysis and review of best financing terms.

• Night and Weekend Pre-Approval Review and Creation.

• Unique Financial Analysis of each property prior to the offer.

• Pre-Approval Guarantee.

• Full UW of your loan to help get your offer accepted faster and for less money

• Ability to compete and win against all cash offers and not having to be the highest priced offer on the home.

• Communication with all parties at all times during the home search process

• Team oriented approach to deal with our client’s needs and always be available for questions and support.

• Contact with the listing agent to explain Full UW Approval and timing to aid in getting the offer accepted.

• Check other lender reviews online; if they don’t have any reviews, it’s a bad sign and if the reviews are less than great, you can get an idea of what your experience will be. If it is a good lender, they should have very good online reviews.

• Ask the lender what their guarantees are for increasing rates and costs, contingency removal dates and on-time closings.

• Phone call or email asking for a loan application and qualifying documents.

• Cursory review of the documents by the Loan Officer and issuance of a generic Pre-Approval Letter, not custom suited to each offer.

• Waiting for an offer to get accepted.

Other Lender

Before Finding the Home

Ryan Grant Team

Before Finding the Home

If you utilize the Ryan Grant Team for your home financing:

What to expect working with OTHER lenders and banks:

• Contract Meeting to finalize, terms, down payment analysis and lock advice.• Rate and Cost ‘Guarantee’.• Explanation of the Mortgage Backed Securities Market and an outlook on the

direction of interest rate.• Consistent proactive communication at every point of the process.• Always available for questions and concerns.• On time contingency and closing Guarantee.• Full control over the entire loan process as the loan file always stays under

our roof and amongst our team.• Dedicated and Exclusive Underwriters which creates great communication

and efficiency in the loan approval phase.• Pre-Closing review of the loan terms to ensure all questions and concerns

are answered.• In office signing to ensure a smooth closing.

• Post-Closing call to discuss next steps with the loan, first payment, expectations and continued service.

• Active mortgage management to ensure the loan is always in the best position possible. We review to ensure the loan has the best rate, term and repayment schedule.

• No cost refinances for current clients.• No Appraisal costs for current clients on subsequent purchases.• Annual Mortgage Reviews to determine all available opportunities based on

updated income, assets, credit and goals.• Continued advice based on other clients strategies and successful

implementations.• Review of all additional professional services to ensure the following are

covered: Financial Planning/Wealth Management, Tax Consulting, Estate Planning and Family Protection, Proper Insurance Coverage (Life, Home, Umbrella, etc).

• Now that you have the largest debt of your life, it’s up to you to figure out what to do with it next.

• Ask if the lender has a dedicated underwriter and process specific to them and ask to speak with them.

• Loan Officer locks the interest rate and begins the underwriting process.

• The loan file is then sent to a processing group not connected to the loan officer.

• The loan file is then sent to an underwriting group in a different state and a different underwriter each time.

• Attempt to meet contingency deadlines and close on time.

Other Lender

During the Excrow Period

Ryan Grant Team

During the Escrow Period

Post-Closing Post-Closing

5 STAR REVIEWS

The Ryan Grant Team exceeded my expectations and I would highly recommend them. We chose to go with Ryan as a recommendation from our realtor over a different lender we were planning to use, since Ryan could meet a 30 day closing. We closed on time as promised and the process was seamless. Not only that but the service was first class. The whole team was professional, knowledgeable, and overall just on top of it. They pay attention to the details. Not just the loan process, but the whole customer experience.

– Betty & Matthew

The Ryan Grant Team helped my family and I to become homeowners. At first I thought it was going to be a stressful process. However, The Ryan Grant Team took care of us and explained everything that was going to happen to make sure we were in the loop. I felt like I was VIP every time we went to meet with them. We would walk in and see our name on posted up on a greeting poster, which showed me they really took time and effort for the little things. They would greet us, ask if we needed anything to drink, and even gave us a menu that had food items they could get us and this was before we started getting down to business. It made me relaxed and comfortable to take on such a responsibility as a homeowner.

– Amber & Jordan

The Ryan Grant Team was without a doubt the best I’ve ever used for the 10+ properties I’ve purchased. From their 1st Class office, to their professionalism, to their attention to detail… everything was top-notch! I would highly recommend this group of young talented mortgage All-Stars. Anyone going through the arduous process of buying a home will find that this team truly cares about their clients, as they absolutely went above and beyond.

– Mark

Very friendly and professional. He and his Team were with us – first time homebuyers – every step of the way. Particularly useful are the financing options he provides as online worksheets to show cash needed to close, monthly cashflow, etc. Definitely more transparent about all of the costs/fees involved when compared communication style against other lenders and brokers. We switched buyer agents and ended up purchasing another property, but Ryan’s team proceeded with us without any gaps or hitches. Even more impressive was that his wife gave birth late in our loan contingency period, and the process went ahead as if everything was still “normal!” Big A+ to Ryan and his team.

– Morris

A PROFESSIONAL MORTGAGE PRACTICE

Ark-La-Tex Financial Services, LLC d/b/a Benchmark Mortgage 5160 Tennyson Pkwy STE 2000W, Plano, TX 75024. NMLS ID #2143 (www.benchmark.us) 972-398-7676. This advertisement is for general information purposes only. Some products may not be available in all licensed locations. Information, rates, and pricing are subject to change without prior notice at the sole discretion of Ark-La-Tex Financial Services, LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions may apply.

Ryan GrantBranch Manager

E / ryan.grant@benchmark.us O / 949.651.6300W/ RyanGrantTeam.comNMLS #118767

Benchmark Mortgage100 Spectrum Center Drive #250Irvine, CA 92618