Ryan Floyd

Mortgage Loan Originator

Orlando- Florida

NMLS- 1564115

States Licensed: Florida

As a dedicated mortgage professional, I have discovered that communication is the single most important factor for ensuring a smooth, seamless experience. I pride myself on educating my clients throughout the process, so they are in control. I discuss the latest loan options and go over the pros and cons of each, to ensure that we always find the best possible option for their given needs. I have committed to making myself available evenings and weekends, so that all my clients concerns are always addressed immediately. What I most enjoy, is finding creative ways to overcome challenging situations, often for clients that may have previously been turned down by another lender. At Equity Prime Mortgage, we genuinely care about each other and the clients we serve. We utilize the latest technology, including electronic signatures, digital documents, and even our own mobile app to allow our clients to stay in tune through every step of the process. As part of our Core Values, we are committed to doing what we say, holding ourselves accountable to our commitments, and exceeding expectations creating lifelong relationships. Lets start our journey together.

EPM Mortgage Products

EPM offers a wide variety of products to help you purchase or refinance your home. We are licensed in all 50 states including Puerto Rico and Washington, D.C. and are dedicated to bringing you access to the most diverse array of home lending products available in the industry. 

Conventional Loans

Conventional loans are loans that are not insured by the federal government. The borrower must have good credit, sustained employment, and income history, and be able to put down at least 3% of the total loan.

If putting down less than 20%, most lenders require PMI or Private Mortgage Insurance to be able to recover in a situation of default. Some lenders do have conventional loans a low down payment and no private mortgage insurance.

FHA Loans

FHA Loans or Government-Insured Federal Housing Administration Loans are often times used for low-to-median-income buyers when buying their first property when they cannot qualify for a conventional loan.

You can put down as little as 3.5% and these loans usually have more lenient credit-score requirements. All FHA borrowers pay an upfront and annual mortgage insurance premium (MIP) which is an insurance policy for the lender backed by the federal government.

VA Loans

VA Loans are loans insured by the U.S. Department of Veterans Affairs (VA) and are a guaranteed home buyer loan for military service members, veterans, and their spouses. Borrowers can finance up to 100% of the loan amount without a required down payment.

These loans usually have lower interest rates, lower closing costs, and no PMI or MIP is necessary. VA loans may require a funding fee however, some do not and the fee varies based on service category and loan amount.

Jumbo Loans

Loans over $548,250, which is the conforming loan limit for a one-unit property, are considered jumbo loans. Some lenders classify jumbo loans as riskier and so, will require documentation of larger cash reserves, a strong credit score, and a down payment between 10-20%.

Bank Statement Loans

This loan program is ideal for buyers that earn seasonal income, are independent contractors, or are self-employed. Working with your information on bank statements and other documentation, we are able to lend based on your income.

Reviews for Ryan Floyd

powered by: