Ryan Calkins

Sr. Loan Officer

Nations Reliable Lending

Affordable Mortgage Solutions & Helpful Aids for Homebuyers Wanting a Well-Informed Advantage in Home Purchasing or Refinancing.

Explore our range of affordable home loans and resources designed to empower homebuyers. Navigate the journey of purchasing or refinancing your home with confidence, armed with valuable insights and practical tools. Make informed decisions with our budget-friendly solutions, ensuring a smooth and well-guided experience.

Close Accurately. Close On Time. Stay Informed.

🎯Smart Start Handbook

The Smart Start Handbook is an outline of what to expect during the loan process. It explains the expectations of us as your lender as well as the expectations for you as the buyer to ensure the smoothest transaction.

  • Meet The Team

  • Process Flow

  • Pre-Qualified vs Pre-Approved

  • Close On Time Guarantee

  • Common Cupporting Documents

  • Do's & Dont's

Today's National Average Interest Rates


Below lists the national average rates provided by a 3rd party company so you can compare the rate you may have been offered by a lender to national averages.

Want to see your customized rate, monthly payment, and estimated up-front costs? Click below:

Your AI scenario desk for FHA, VA, USDA and Conventional, ask Morty!

***AI generated results can be incorrect sometimes. This is for educational purposes only. Consult me personally with any scenarios you need personal feedback on.

Chatbot
Ask Morty your scenario...

Max Purchase Price Calculator

Find An Estimate of How Much Home You Can Afford

You want to quickly know how much house you can possibly afford without having to jump through a bunch of hoops. I know because out of the hundreds of clients I've talked to about getting a home loan, every single person is anxious to know how much they could get approved for. Your max price calculator asks for a couple bits of info and then will give you a quick and safe estimate for your maximum purchase price, full monthly payment breakdown, down payment, and estimate of closing costs.

All the info you need at a glance — without having to talk to a lender

Rent vs Own

Calculate the difference between renting and buying a home.

Calculate Payments

Estimate your monthly mortgage payment with our monthly payment calculator.

Refinance Calculator

Calculate the number of months to break-even if you refinance the loan.

Debt Consolidation Calculator

Calculate the effect of combining other debt with your home mortgage. If you select Credit Card, Auto Loan, or Other but leave the interest rate blank, the calculator assumes a rate of 17.5%

Are You Ready To Fly?

Obtaining a home loan is like taking an airplane flight across the country. When you start out on your trip, you have no idea how the trip will go, and neither does the pilot.

You could run into 50 different types of turbulence or you could have a smooth flight and land on time. Certainly, the pilot will try to use his or her experience to navigate around storms and go for the smoothest flight plan, but if they are honest, they cant promise a turbulence-free trip.


Their job is simply to get you to your destination as conviently as possible in the least amount of time.

As your consultant, I see myself as the pilot of your plane. My job is to assist you in getting your home loan with the least amount of aggravation possible. I can't promise that you wont encounter any turbulence. I can promise that I’ll utilize my experience to take you on the smoothest flight possible. And, if we do hit turbulence,I wont bail out on you.

I’ll be your teammate throughout the flight until we get you safely to your destination!

Ryan Calkins / MyHomeLoanGuy

We offer dozens of different home loan programs along with resources to help guide you through the loan process with confidence.


🏠 Home Loans

We offer a wide range of home loan options including but not limited to Conventional, FHA, VA, USDA, Jumbo, Bank Statement Loans, ITIN, Rehab Loans, Investor loans...and more.

YouTube Channel

Stay educated throughout the loan process with our catalog of videos ranging from loan program qualifications to all things home loans and real estate.

Meet Morty, Your ChatGPT/OpenAI SMS Real Estate Advisor

I'm your go-to AI real estate guru and mortgage consultant— I can even search for active listings, all through text!

Close On Time Guarantee

Shouldnt one of lifes biggest purshases come with a guarantee?

See how we confidently offer this guarantee, with the help of our clients, with our Close On Time Agreement.

You Focus On Your Move...

let us worry about your LOAN APPROVAL.

The home buying process is stressfull no matter how prepared you are so surround yourself with support that you can count on to handle the details while you focus on the bigger picture.

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Reduce Errors - With Professional Guidance, Expectations & Accessibility

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Save Money - With Cometitive Pricing and a Range Of Loan Options

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Focus On Other Things - While You Let The Support Team You Hired Take Care Of The Details

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Understand Your Mortgage Process - So You Can Move Through The Loan Process Confidently

What is a pre-qualification?

Pre-qualification starts the loan process. Once a lender has gathered basic information about a borrower’s income and debts, an opinion can be made as to how much the borrower should qualify for in purchasing a house. Since loan programs vary between credit, debt and down payment requirements, borrowers should get pre-qualified for each loan type they qualify for and are considering.Being pre-qualified is only a limited analysis and doesn’t hold a lot of weight when it comes to negotiating a contract or reassuring a seller. There are many aspects to fully qualifying that could change a borrower’s ability to qualify for a mortgage. Some of these things include: credit, length of employment, type of income, debt, liens or judgments, property type or condition, and other issues that come up during the approval process.Although it’s tempting to start your home search before getting a pre-approval, we suggest you get that step completed sooner than later so you’re armed with the knowledge of your real shopping budget and the power to negotiate the best deal.

What is pre-approval?

Being pre-approved lets you know your price and term limitations, and therefore removes some of the stress of finding the perfect home. It happens after the lender has verified all information you’ve submitted in the application process.Being pre-approved also empowers you during the negotiation process. It gives the seller confidence in knowing your finances aren’t an issue. You’ll need a pre-approval to bid on a bank-owned or “short sale” home. Your offer won’t even be considered if there are several offers on a home and you don’t have a pre-approval.

Is there a cost to apply for a mortgage?

No.

How long will the process take?

We average contract to close between 18-28 days. Be sure to review the Smart Start Handbook to get proper expectations on time lines.

When can I lock in my rate?

You can lock-in your interest rate once you have an accepted offer on a property. Your loan officer will discuss these options with you upon taking your loan application.

How long is my rate lock valid?

Depending on the type of transaction and the time you need, lock periods can be valid anywhere from 15 days to 180 days.

Should I refinance my mortgage?

Great question. There’s a lot to consider when refinancing, and an SNMC loan professional can help you weigh this complex decision.Even a modest reduction in the interest rate can trim your monthly payment. The significance of such savings in any scenario will depend on your income, budget, loan amount, closing costs and the change in interest rate. An SNMC loan professional can help calculate the different scenarios for you, to determine if a refinance would be financially advantageous. Consulting your tax advisor is also encouraged, as your personal tax situation may affect your decision.

What documents will I receive at closing?

Start practicing that autograph! At closing, you’ll be guided through a review of all the legal documents for the property you’re purchasing or refinancing, and you’ll sign each one. We’ll give you copies of everything, and then it’s all filed and recorded. We’ll also make sure you get all pertinent information regarding your mortgage payment schedule, and servicing information for your new loan.

Can I still get a home mortgage if I’ve experienced credit challenges?

Obtaining a home loan is possible even with poor credit. If you have had credit problems in the past, a lender will consider you a risky borrower. To compensate for this added risk, the lender will charge you a higher interest rate and usually expect you to pay a higher down payment on your home purchase (typically 20-50% down). The worse your credit is, the more you can expect to pay for an interest rate and a down payment.Not all lenders choose to lend to risky borrowers, so you may have to contact several before finding one that will. Contact us to get an objective opinion on your credit and financial situation. Whether your situation calls for a short-term solution or a long-term strategy, we’ll give you options to empower you to make an educated decision.

This is not a commitment to make a loan, nor should it be construed as lending advice. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet LTV requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines, and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over life of loan. Reduction in payments may reflect longer loan term. Terms of the loan may be subject to payment of points and fees by the applicant. SecurityNational Mortgage Company is an Equal Housing Lender NMLS# 3116.

Ryan Calkins

Sr. Loan Officer

NMLS:228457

281-924-5816

[email protected]

1220 Augusta Drive, Suite 600, Houston, TX 77057 | NRL Mortgage | Equal Housing Opportunity | Nations Reliable Lending, LLC © 2022. All Rights Reserved. 713 275-1300 | NMLS ID 181407.