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YOUR PRE-APPROVAL APPLICATION IS THE FIRST STEP ON THE ROAD TO CLOSING ON YOUR DREAM HOME. I make it my first priority to be in contact with you at every step from pre-approval guidance to post-closure refinancing advice. Working with me and my team will bring clarity and confidence to your home buying experience. Click below to register for your free ProMortgage account and start your application today. Start Your application   FIRST TIME HOME BUYERS I’m a native San Franciscan with an intimate knowledge of the local real estate and mortgage banking markets, at your full disposal. Leveraging my experience, I can empower you to confidently make the best decisions and will offer you transparency around what to expect during the home buying process. Learn More >>> INVESTMENT & REFINANCE OPPORTUNITIES My access to a variety of investor and loan programs has allowed me to maximize my clients’ savings using strategy, expertise, and a collection of creative resources. Whether you're looking to invest, or to refinance, you can be sure we’ll get you locked into the best possible rates in the market. Learn More >>> REALTORS Having a reputable broker in your professional tool belt will ensure that even the most unique situations can be accommodated and executed with confidence. Apart from securing client’s loans, my ultimate goal is to be your accessible and transparent source of reliable information. Contact Me >>>   Meet Your Mortgage Originator On top of all of his professional capabilities, Ryan is genuine and friendly. He not only wants his clients to get the best loan they can, he wants them to be happy. About Ryan SEE ALL YELP REVIEWS >   Let’s Get Started Your pre-approval application is the first step on the road to closing on your dream home. Ready to go or have questions? Let’s talk today. Contact Ryan Should you buy or rent? Deciding between buying or renting your next home? I can help. Learn More   RESOURCES & INFORMATION Free Resources & Info How and When To Use A Bridge Loan Bridge loans allow you to tap into any equity held in your current home prior to its actual sale. Read more → 10 Common Life Events That Can Keep Your Loan From Closing on Time Keep these things in mind to save yourself time from unneeded stress in the closing process. Read more → Mortgage Recurring vs. Non- Recurring Costs Avoid surprise closing costs with these facts. Read more → Stop Waiting, Start Saving Refinance now and secure your future. Read more → To Buy Or Rent? That is the question. It’s true that home values have gone up quite a bit, but so has the average cost of rent. Read more → My loan process at ProMortgage Working with a company like ProMortgage takes the guesswork off your plate. Read more → Up close and personal with Ryan Lugbauer Learn more about Ryan’s story. Read more → Free Home Loan Tool Kit Tools To Help You Succeed During The Home Loan Process . Read more → More Resources   Contact Ryan   WEBSITE TERMS OF USE AGREEMENT Please carefully review these terms of use before using this site. This Terms of Use Agreement (the \"Agreement\") sets forth the terms and conditions for your use of this web site or any related web sites (collectively the \"Site\"). The Site is owned and operated by Ryan Lugbauer Mortgage Advisor. NMLS# 241024. BRE# 02415410 By using the Site, you agree to be bound by this Agreement. If you do not agree to be legally bound by this Agreement, you should exit this Site immediately. We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement on the Site. You should check this Agreement periodically for changes, and all changes shall be effective upon posting. Your continued use of the Site after any changes to this Agreement constitutes your agreement to be bound by any such changes. Ryan Lugbauer Mortgageadvisor may terminate, suspend, change, or restrict access to all or any part of the Site without notice or liability. 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