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Ryan Ki, (NMLS ID 291877)

Ryan Ki

Personal Finance Advisor | Sr. Loan Advisor

NMLS ID: 291877

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

19330 Stevens Creek Boulevard

Cupertino, CA 95014

About Ryan Ki

Ryan believes in one-on-one service and building strong relationships with his clients. He strives to provide personalized advice firmly grounded in his client’s concerns and goals. As a Personal Finance Advisor, Ryan will analyze your situation and provide a diagnosis in plain language that you can understand. Ryan will give advice that is in context with your retirement concerns, whether it be investment strategies or mortgage financing, and he excels in helping you make sound decisions that will help you shape your financial future.

 

He is a graduate of Stanford University and lives in Los Altos.

 

Industry Associates:

Ryan collaborates with Debra Ahn and Sereno Group.

 

Certifications & Awards:

    - CalHFA Certified

    - Named in the Heritage Registry of Who’s Who

 

Mortgage Specialization

  • Jumbo Loans

Professional Affiliations

  • President's Club 2021

Languages Spoken

  • English
  • Korean

Client Testimonials

Hear what my previous clients have to say about my work.

Derek W.
“Ryan/Hwangmin was exceptionally attentive throughout the loan application and closing process. He was always available, and we had several late-night phone calls. Closing was fast and convenient. Thanks again!”
Tarun A.
“Ryan is highly professional, very knowledgeable, and pays great attention to detail. He understands your questions very intuitively and always offers helpful insights. Above all, he is a very kind person. Thank you, Ryan!!”
Sean G.
“We've used Ryan for multiple loans now and have been very happy each time.”
Paul V.
“Ryan is an excellent loan officer and did everything he could to guide us through the complex underwriting process.”
Rommanee J.
“Ryan, you're excellent. Thank you so much for all the clear communications, prompt responses, and proactiveness. You made the process very fast and smooth. Really appreciated.”
Jennifer L.
“I was very happy with the professionalism, support, and efficiency during the mortgage process. Ryan was very responsive to my questions, was great at keeping me informed, and responded in a very fast time. Very satisfied. Thank you!”
Mete Y.
“Ryan is awesome to work with. He is very concise, accurate, very easy to communicate with. He responds very very quickly. ”
Alex K.
“Ryan Ki has provided great service on multiple occasions and is the main reason that I went with Flagstar even through I might have been able to get slightly lower rate if I shopped. Very pleasant and efficient.”
Jerome P.
“Mr. Ki was extremely professional and always ready to help. It was a pleasure working with him. There were no surprises.”
Rigoberto F.
“We really appreciate Ryan's patience and detailed explanations of all the steps in the process as well as numerous questions we had as first-time homebuyers. We felt comfortable reaching out when we had questions and he always responded in a timely manner.”
Haksoo K.
“I'm glad I decided to work with Ryan. While working with him, I never have any problem at all. He provided me with all the information that I need and kept me updated. It was my pleasure working with him and I will highly likely recommend him to others.”
Sairam S.
“Ryan was very helpful in this whole process. My situation was slightly unique, but Ryan helped me navigate the process very smoothly. Would love to work with Ryan again. Cheers.”

Why Flagstar

Why choose Flagstar? Because we’re powered by our Human Interest Rate – the interest in our customers that powers mortgage solutions built around their unique needs.
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What to Expect

We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.

Please select your lending process

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STEP 1

Pre-qualify & Gather Financials

Submit your financial information and we’ll give you a personalized estimate for your loan.

STEP 2

Pre-approval

Once you’re pre-approved, we’ll coordinate with the escrow or title company.1

STEP 3

Loan Review

Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.

STEP 4

Loan Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 5

Close & Receive Your Funds

We’ll close your loan and wire your funds into escrow so you can complete your home purchase.

 

1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.

STEP 1

Loan Application

Complete a loan application online, and submit the necessary financial documents.

STEP 2

Appraisal

We'll conduct an appraisal of your property to determine its current value.

STEP 3

Underwriting Approval

Once our underwriters approve your loan, we'll get you ready for closing.

STEP 4

Loan Signing & Funding

We'll close your loan and wire your funds into escrow so you can access your funds.

Financial Calculators

If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.

Monthly Mortgage Payment Calculator

My Products of Specialization

Let's work together to find the right financing solutions for you, built around your unique needs.

The longest fixed term available makes this a popular choice. The interest rate set at closing remains constant.

Designed specifically for veterans and active-duty personnel, this loan often requires no down payment and flexible qualifying criteria.

Looking to build your dream house or make substantial improvements to your current home? Start here.

Learn More About Mortgages

There's much more to purchasing or refinancing a home than an interest rate. View our blog and get home ownership tips and more.
Ryan Ki, (NMLS ID 291877)

Ryan Ki

Personal Finance Advisor | Sr. Loan Advisor

NMLS ID: 291877

If you’re thinking about purchasing or refinancing a home, I’m here to guide you through the process—from application through closing.

Apply Now Contact me

19330 Stevens Creek Boulevard

Cupertino, CA 95014

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Ryan Ki, (NMLS ID 291877)

Ryan Ki

Personal Finance Advisor | Sr. Loan Advisor

NMLS ID: 291877