About Ryan Ivory
Ryan Ivory is a mortgage professional with more than seven years of industry experience, including over five years as a Mortgage Loan Officer, helping homebuyers, investors, and individuals looking to build long-term wealth through real estate. Based in Charlotte, North Carolina, Ryan serves clients throughout Charlotte and the surrounding areas, as well as Greenville, Columbia, and Charleston, South Carolina. Specializing in Conventional, FHA, VA, Jumbo, DSCR, and Bank Statement Loans, Ryan takes a personalized approach to every transaction. He understands that no two buyers have the same financial situation or long-term goals, and he uses his knowledge of a wide range of loan programs to help clients identify financing solutions that fit their current needs while positioning them for future financial success. Whether you're purchasing your first home, upgrading, investing, or exploring your financing options, Ryan is committed to finding a solution tailored to your goals. Over the course of his career, Ryan has helped approximately 350 clients navigate the mortgage process. What sets him apart is his commitment to communication and education. He believes clients should understand not only what is being requested of them, but why it matters. By providing clear explanations and honest guidance throughout the process, Ryan helps his clients feel informed, comfortable, and confident in their financial decisions. Clients appreciate Ryan's sincerity, professionalism, and extensive knowledge of mortgage programs and the broader economic factors that can impact interest rates. He makes it a priority to stay informed about market and economic triggers that may affect rates during the homebuying process, allowing him to keep clients educated and prepared while they're under contract. Ryan is known for being highly accessible and responsive. He understands that buying a home or making a significant financial change can be complicated, competitive, and stressful, so he makes himself available when his clients need him, even outside traditional business hours. His goal is to provide the guidance and reassurance clients need to move forward with confidence. Outside of work, Ryan's greatest joy is spending time with his wife, Kelley, and their two children, Oliver and Emerson. The family has called Charlotte home for more than 10 years. A former Division I college lacrosse athlete, Ryan brings the discipline, teamwork, and perseverance he learned through athletics to his work with clients. In his free time, you'll often find him coaching Oliver on the baseball diamond or enjoying a round of golf. If you're looking to purchase a home, invest in real estate, or explore financing options, Ryan would be honored to be your mortgage resource and help you make informed decisions for today and the future.
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Lock in your rate
Lock ‘N’ Roll: Lock in a mortgage rate for 60, 75, or 90 days without a signed contract. Secure a lower rate while house shopping with this program.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
Get a sense of the costs of buying a home with our monthly mortgage calculator.
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Guaranteed Rate Affinity, LLC cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Guaranteed Rate Affinity, LLC for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Guaranteed Rate Affinity, LLC does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Guaranteed Rate Affinity, LLC. Guaranteed Rate Affinity, LLC its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 7903 Providence Rd, Suite 160 Charlotte NC, 28277