Ryan Smith

Own what matters

Ryan Smith – Guild Mortgage Lender

We believe creating a well-defined plan for our clients is critical to their success. Having worked in the residential mortgage industry for nearly two decades, Ryan uses his experience to help clients create a mortgage plan that meets their financial needs and goals. Communication is very important, therefore regular updates are provided to clients before, during, and after their loans are completed. We do everything we can to ensure they are in the best possible situation to succeed as homeowners. We also provide clear, consistent communication to business partners, Realtors, Financial Planners, and CPA’s. Working hand in hand with our clients’ trusted advisors allows us to build a strong bond with our partners and clients.

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Meet my team

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I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.

Noele Reynolds image

Noele Reynolds

Loan Officer Assistant l NMLS#1370841

Noele initiates the loan process by walking you through our loan application and scheduling your consultation with Ryan. She is also responsible for gathering all of your preliminary documentation and coordinating your pre-approval. Office Number: 608.338.0749

Carol Baron image

Carol Baron

Loan Processor

Carol’s highest priority is to get your loan closed on time. She will review all supporting loan documentation and work closely with our Underwriters, your insurance agent, and the title company throughout your loan process. Carol is your primary contact from the time you sign initial loan paperwork through closing and will keep you informed. I am not a licensed loan originator. Office Number: 608.268.8011

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Rebecca Heller

Production Manager l NMLS #392041

Rebecca works with the team to ensure the completeness, accuracy, timeliness, and compliance of loan files. She will work closely with all parties in your transaction and handle any challenge that may arise to ensure a smooth closing. She is also responsible for developing and implementing practices and processes to increase efficiency. Office Number: 608.338.0069

Kylie Trudeau image

Kylie Trudeau

Loan Officer Assistant l NMLS# 2122090

Kylie initiates the loan process by walking you through our loan application and scheduling your consultation with Ryan. She is also responsible for gathering all of your preliminary documentation and coordinating your pre-approval. O: 608.729.5375

Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

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Testimonials

Testimonials The rating and reviews below represent my top reviews. Read all customer reviews here. 4.97 out of 5.0 stars Aug 14, 2023


WOW is all I can say. Having come from a background in real estate (Land Sales) that doesn't involve you in the lending process, rather you get a surprise when the ship is off course, this process was a cakewalk. I have spent 30+ years in either finance or sales and the folks at Guild make it a point to find a way to say YES! That's really it, they try to find a way to get their clients approved. From Carol to Noele to Ryan and I am sure a host of others, this process went smoothly because of hard work and effort and most importantly a desire to serve. That's the way I see it. Thank you all!

MidwestMurph Jun 26, 2023


I honestly didn't think such a level of service would exist to the extent that the Guild Mortgage team provides it. They are ROCKSTARS. They are sharp, responsive, cheerful, consistent, and much more. I highly recommend Guild and team to anyone needed Mortgage services. 5 stars is not enough! Thank you Guild Mortgage team.

Apr 19, 2023


Ryan Smith was extremely helpful and always pleasant. My emails and questions were answered timely. He was excellent and explained every step during the loan process. He always made me feel important. He believed in me and went the extra mile to get me financing for my new home. You have made my dream come true! I only have nice to things to say about Ryan and his entire team. I highly recommend him!

Sep 09, 2024


Good communication from Ryan and the team, who answered our questions and guided us through the process.

Sep 09, 2024


Excellent team, thorough, honest with the process. Explained and gave us more options that were helpful for our decision. They're available even on hours and weekends. It was a smooth, no-pressure experience for us. Thank you and we appreciate your business!

Sep 04, 2024


Ryans team at Guild mortgage was the third lender we have used for home buying and will be our top choice when we buy again. His team members responded quickly to any questions we had and explained all steps of the process. Their software is easy to use/follow. Communication from the team comes in your preferred method, however, I appreciate that the team sends texts or calls for tasks needing a quick turnaround. Lastly, Guilds upfront underwriting process is superb and makes the actual underwriting process very easy.

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causes Contact Me NMLS ID #287314 I am authorized to do business in the state of Wisconsin.

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Loan Servicing Help Center 1-800-365-4441 Mon-Fri 6:00 am – 5:00 pm PT Attn: Texas Applicants:

Consumers wishing to file a complaint against a company or a residential mortgage loan originator should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, Texas 78705. Complaint forms and instructions may be obtained from the Department’s website at www.sml.texas.gov. A toll-free consumer hotline is available at 1-877-276-5550.

The Department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the Department prior to the payment of a claim. For more information about the recovery fund, please consult the Department’s website at www.sml.texas.gov

Guild Mortgage Company; Equal Housing Opportunity; AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; MA Mortgage Lender License #MC3274; MA Mortgage Broker License #MC3274; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the N.J. Department of Banking and Insurance; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer; Company NMLS ID 3274. www.nmlsconsumeraccess.org/.

All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive, Floors 1, 3, 4, 5, 6, San Diego, CA 92111; For more licensing information, please visit www.guildmortgage.com/licensing.