Hargrave Home Loans - Mortgage Broker W J St, Encinitas

If you're considering purchasing a new home or refinancing your existing home, Ryan Hargave is the best in the business. Whether you're an expert or have zero experience going through the process of buying or refinancing a hime, Ryan will walk you through each step in detail and total transparency in a way that makes you feel comfortable and confident you're making the right choice. He really takes his time and explains all the line items and options you have available. He helped us with our original home loan a few years ago and we just finished a refi that saved us a ton of cash on our monthly payment and helped us take advantage of our equity and the current market conditions of historically low rates. My dad is a retired mortgage banker and has strong opinions about how things should be done, Ryan even impressed him — not an easy thing to do! Trust me, if you go with anyone else let Ryan at least price things out for you. At the very least, he might even be able to point out some "hidden fees" that you can avoid paying whether you go with him or not.

Best refi experience we’ve had to date and we’ve done a few. Ryan was great to work with, super knowledgeable and helpful in explaining our options and guiding us through the process. Would work with him again in a heartbeat and highly recommend!

This group recently handled a loan for us on a second home out of state. Top notch service, they handled a complex transaction with ease and we even closed on the loan while in Mexico. I can't say enough good things about the customer experience with Hargrave home loans. They will make you feel like part of the family!

This team is here for you every step of the way. Highly recommend! Processes was fast and efficient.

If the role of a mortgage broker is to secure for you a great loan, coordinate with escrow, your realtor, investment adviser, accountant and attorney then Ryan Hargrave is the person I would recommend without hesitation. Thank you, Ryan, for your diligence, expertise and compassion in making the purchase of my new home an almost stress free experience!

Ryan was absolutely terrific, knowledgeable, responsive, and professional in regards to my refinance. I wanted to close fast, but rather than taking a quick deal, he recommended that I hold off until the time was right, which ended up saving me a big chunk on my monthly payment and easily tens of thousands of dollars over the course of my loan - talk about integrity! He was incredibly patient throughout the process, answering all questions promptly. I could not give a higher recommendation.

They under promised and over delivered. We were able to close early and getting into our new home before the weekend. Thank you for the clear communication and smooth process.

Smooth sailing refi from start to finish.