Ryan Boody – The Lender in the Purple Hat  
Vice President and Sr. Loan Advisor | Guaranteed Rate Affinity  
Panama City Beach, FL | Serving All of FL, GA, AL, AR, TN, TX & KY!


Purchase | Refinance | Construction | Renovation


With over 25 years in the mortgage industry, Ryan Boody is a trusted name for real estate agents and homebuyers alike. Known for his fast communication, creative financing solutions, and unwavering commitment to closing on time, Ryan doesn't just "do loans"—he builds lifelong partnerships.  
Ryan is affectionately known as "The Lender in the Purple Hat," a brand that reflects his bold personality, reliable service, and memorable presence. Whether it's helping a first-time buyer feel at ease or guiding a seasoned investor through a complex deal, Ryan brings a calm, can-do attitude and a brain full of strategy to every transaction.  
Buyers and agents often say:


* "He answers the phone when others won't."
* "He explains things in a way that makes it all make sense."
* "He cares about my deal like it's his own home purchase."


Ryan offers more than 2,600 loan programs, including VA, FHA, conventional, DSCR, jumbo, renovation, non-QM, bridge loans & so much more! He specializes in working with self-employed borrowers, manufactured homes, and non-warrantable condos, helping clients get approved when others can't.  
He's also a tech-forward lender who leverages AI, BombBomb video messaging, and automation tools to give clients and agents a smoother, faster mortgage experience.  
And let's not forget his loyal four-legged assistant, Princess Leia—his German Shepherd sidekick who often makes a cameo in his videos and branding.  
Whether you're buying, refinancing, or just exploring options, remember:  
"When you think mortgage – Think Ryan Boody – The Lender in the Purple Hat!"  
Always reachable.  
Always on point.  
Always working—yes, even weekends.


Whether you are Refinancing to reduce the rate, to get cash out to pay for a vacation, for investing or anything else, I'd love to help!


Loan Officer of the Year with Mercantile Bank in 2003 and 2004  
Presidents Club with Land Home Financial from 2017-2021  
Presidents Club with NewRez in 2023 and 2024


Connect with me by following me on Instagram and Facebook using the icons below! Subscribe to my YouTube channel: ThePurpleHatLender

VP of Mortgage Lending

Ryan Boody is your Panama City  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Ryan is committed to helping homeowners with home purchase loans and refinances. Contact Ryan at (850) 445-3899 for more information!

Ryan Boody at Guaranteed Rate Affinity (NMLS #1053658)

As your trusted Guaranteed Rate Affinity Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs. Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.

Angela Bernhauser is your Panama City  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Angela is committed to helping homeowners with home purchase loans and refinances. Contact Angela at (850) 208-3282 for more information!

Angela Bernhauser at Guaranteed Rate Affinity (NMLS #2683359)

Panama City

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2 Loan Officers Panama City, FL