Ryan
Smith
Ryan
Smith
Loan Officer
NMLS #2575215
Business Hours
Monday – open – 08:00 – 17:00
Tuesday – open – 08:00 – 17:00
Wednesday – open – 08:00 – 17:00
Thursday – open – 08:00 – 17:00
Friday – open – 08:00 – 17:00
Saturday – closed
Sunday – closed
I Can Help You
- Get pre-qualified giving you greater negotiating power.
- Low or no down payment?
- Improve your credit score for a better rate and terms.
- How much home can you afford? Check our Mortgage Calculator.
Average Customer Rating
Irma Monreal
“Ryan was always available and professional”
March 7, 2026
Carolina Ruiz
“I truly appreciate Ryan’s dedication to helping clients find the best financing options and making sure everything stayed on track. I would absolutely recommend him to anyone looking for a knowledgeable and reliable lender!”
March 10, 2026
Bridgett Dominguez
“excellent communication easy to work with quick with paperwork processing caring supportive even when I was nervous he eased some anxieties I was having pleasant to work with very professional”
March 13, 2026
Elizabeth Ferenchak
“Ryan was very responsive and was able to answer the questions that my client had timely and accurately.”
March 13, 2026
About Ryan
Personal commitment to professional excellence, coupled with a strong desire to help others, is the common thread among the Loan Officers at NOVA. We often hear that the experiences that our clients have working with NOVA are far superior to those encountered at other lending institutions. We’re proud of that difference, and of the long lasting relationships we have forged with our clients, their friends and their families!
Products & Services Offered
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FHA Home Loan
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VA Home Loan
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Jumbo Home Loan
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Down Payment Assistance
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Mortgage Refinance
Licensed to originate mortgage loans in the following state: AL, AZ

