Ryan Hogate -Whitecap Mortgage -NMLS 2150182

**🏡 Are you ready to take the first step towards your dream home? Let me help!!✅ Looking for a realtor you can trust? I got you covered! ✅ Competitive rates? Got them!!✅ 🏡**

Getting preapproved is the first step, and it’s easier than you might think! With a quick and simple preapproval process, you can confidently start your home search knowing exactly what you can afford. Let me guide you through it step-by-step.

Call anytime so we can get started! No 9-5 here so I’m available when it’s convenient for you!!!!

☎️ 302-632-3192
📧 [email protected]

🌟Proud of these two right here!! 🌟I hope they make lots of lasting memories in their new home in the coming years as their family grows. 🏡 🏡 🏡

Thanks to Tina Louise Stewart for finding this couple the perfect home and to Sherry Truitt Mitchell for being so helpful, professional and friendly on the sellers side. You two are absolute rockstars!!!

Last but not least, big thanks to Joel Collins and Lissette Estrada at Wolfe & Associates LLC for handling the title and closing side along with Bobbie Volkert and team Whitecap Mortgage Delmarva for the flawless operational ex*****on!

I appreciate you all!!!

✨Testimonial Tuesdayyyyyyyyyyyy!!!!!✨

I'm incredibly grateful for the trust and support from the people I get to work with! I appreciate the positive feedback and it's what drives me to continuously improve and work to provide the best possible service day in and day out.

You or anyone you know exploring the possibility of building your dream home🏡? Check this out!

Yes, you read that correctly...100% construction financing!

Hit me up for more info!
📞302.632.3192
💻[email protected]

Both personally and professionally, my goal has always been continuous learning and growth while making a positive impact in peoples lives. Seriously, helping people is my passion! That being said, I decided to make a change 5 months ago to join Whitecap Mortgage Delmarva which would give me the opportunity to provide more solutions and ultimately, help more people:)

So what's different? How can I help more people? What am I able to do that separates me from many other banks, lenders and loan officers out there? Here are just a few!!

-100% Financed Conventional Loans ✅ We have it!

-Vacant Land Loans ✅ We have it!

-100% Construction to Perm financing ✅We have it!

-2nd Home Purchase 10% down w/o mortgage insurance ✅ We have it!

-Manufactured Home on leased land and non-permanent foundation ✅ We have it!

-Manufactured home that's been moved ✅ We have it!

-Financing down to 500 credit score ✅ We have it!

-The ability to shop between our vast network of lenders to get my client the best rate possible within our network, for their specific scenario ✅ That's what I do!!

Does any of this sound good to you? If so, we should chat! Call, text, DM or email me anytime for more information.

📞 302-632-3192
💻 [email protected]

👏 Celebratory Update! 🏡 Huge congratulations to my amazing buyers on unlocking the doors to their new home! 🌟 This marks the beginning of a beautiful chapter filled with laughter, growth, and cherished memories. 🏠✨

Wishing you all the joy and warmth in your new abode! 🎉

Special shout out to Ashley Hogate for finding them the perfect home, to Maha Johnson for being amazing to work with on the sellers side, to Bobbie Volkert (the real MVP behind the scenes), to Jerilynn Conley and Hudson, Jones, Jaywork & Fisher for making this transaction buttery smooth!!

Did I mention? 🏡 Your journey to homeownership just got a major upgrade! As your dedicated mortgage broker, I'm excited to highlight that, within my network of lenders, I pride myself on securing the lowest rates that perfectly align with your financial goals. Let's make your dream home a reality together! 🌟


Reach out anytime so I can help you reach your homeownership goals.

📞 302-632-3192
📧 [email protected]

Random thought of the day…

In a world driven by competition, I cherish the happiness that comes from celebrating the success of those around me. No envy, just genuine joy for their achievements. 🎉

Every shared victory, big or small, creates a community of support. Embracing the success of friends, family, and colleagues inspires me and others to pursue our own goals.

The world would be a better place of we all just replaced envy with admiration and competition with collaboration. Supporting each other's dreams makes our journeys more rewarding. In this culture of positivity, the joy of seeing others succeed becomes a celebration of our collective potential.

🏡 The more you know 🏡

A licensed and regulated loan broker provides assurance that they adhere to legal standards, protecting borrowers from potential fraud or unethical practices. Regulation ensures transparency, fair terms, and accountability in the lending process, promoting a more secure financial environment.

As we bid farewell to this extraordinary year, I want to express my deepest gratitude to all my incredible clients, family, and friends. Your support has been the cornerstone of my journey, and I am profoundly thankful for the opportunity to serve you. Wishing you a Happy New Year filled with abundant health, boundless happiness, and the warmth of family love. Here's to a fantastic 2024 together!

Unlock Your Dream Home Confidently with Me! 🏡 One Credit Check, Countless Advantages:

🔐 **Credit Protection:** Opt for my expertise as your Mortgage Broker, ensuring a streamlined homebuying experience with just one credit check, safeguarding your credit score.

💰 **Rate Advantage:** Enjoy competitive interest rates without the impact of multiple credit inquiries. I ensure financial efficiency with a single check.

🔄 **Effortless Process:** Let me simplify your journey to homeownership. With only one credit check, I make it easy for you to explore diverse loan options seamlessly.

📈 **Approval Confidence:** Navigate the lending landscape with assurance. I can maximize your approval odds based on my comprehensive understanding of your financial profile from a single credit check.

⏱️ **Time & Stress Saver:** Skip the complications of multiple credit checks. I streamline the process, saving you time and reducing stress.

🌐 **Your Credit, Your Power:** Embrace the benefits of a simplified journey to homeownership with me as your trusted Mortgage Broker. 🏡✨



If you’re in the market to buy, sell or refinance, I should definitely be on your list of people to call.

📞 302-632-3192
📧 [email protected]

"Maximize Your Mortgage Experience with a Broker! 🏡 One Application, Infinite Possibilities:

🚀 **Efficiency Unleashed:** A single broker application covers multiple lenders, streamlining your process and saving you valuable time.

🔍 **Diverse Choices:** Expand your options effortlessly. A broker's one-application approach opens doors to a variety of loan possibilities.

📈 **Higher Approval Chances:** Leverage a broker's understanding of each lender's criteria, increasing your likelihood of approval.

📑 **Simplified Paperwork:** Consolidate documents effortlessly with a broker, making the application process hassle-free.

Experience the ease of one application, unlocking a world of mortgage possibilities. 🏠✨"

Connect with me to learn more!!
📞 302-632-3192
📧 [email protected]

Out here making Christmas great again!

Merry Christmas from myself with the other newest additions to the Whitecap Dover Branch. Hope your holiday season is filled with fun and family!

"Unlocking Mortgage Options: The Advantages of a Broker's Lender Network"

In the mortgage landscape, a broker with a lender network offers a clear path through the complexity. With access to various lenders, brokers provide unbiased advice, assessing your needs objectively. Their independence ensures you receive tailored recommendations, free from ties to a single institution.

The diverse lender network is a key asset. Brokers tap into a range of options, from major players to specialized lenders, increasing your chances of securing favorable terms. This access extends to exclusive deals and niche products that might be overlooked in a more traditional approach.

Ultimately, a mortgage broker simplifies the process, offering valuable insights and personalized guidance. Their success is linked to your satisfaction, creating a mutually beneficial dynamic. Choosing a broker with a robust lender network is a strategic move for a smoother path to your ideal mortgage deal.

Reach out anytime to learn more!
📞 302-632-3192
📧 [email protected]

🏡✨ Exciting News! ✨🏡

For those of you who don’t know, I'm thrilled to share that I’ve made a move to the Whitecap Mortgage Delmarva team to continue my journey as a Mortgage Advisor/Broker. 🔍 What was the real motivatng factor behind this move? It's all about you – my clients and my referral partners (past, present and future). My goal is to be fully armed with the resources to be able to better serve YOU in achieving your homeownership and real estate goals.

As a broker, we have access to a network of lenders (15+) with a vast array of loan options. Mortgages certainly are not a one size fits all kinda thing! So this ultimately means you are matched with the best possible fit at the most competitive interest rate available within our network of lenders for your unique situation! And with fully underwritten preapprovals✍🏻, we have the ability to close in as little as 15 days in certain cases. Your homeownership journey is not only personalized but it’s also expedited. 🏡🎯

As we move into the new year, let's embark on this exciting journey together and turn your dreams into reality. 🏠💙

Reach out anytime to get started!!

📞 302-632-3192
📧 [email protected]

🏡🎉 Congratulations to Mr. and Mrs. "V" on their exciting new investment property purchase! 🎉🏡 Your commitment to building a secure financial future is truly inspiring.

If anyone you or anyone you know is looking to accomplish the same goal, don't hesitate to reach out anytime. I'm here to help make real estate dreams a reality! 🥂💰

Phone: 302-632-3192
Email: [email protected]

Connect with me today so we can get the preapproval process started!! You can call, email or DM me anytime.

Phone: 302-632-3192
Email: [email protected]

Join Me and Ryan Hogate -Meridian Bank -NMLS 2150182 for 🍾Mimosas and Muffins Saturday Oct. 7th 11am -1pm. You NEED to see this 🏡 hone!!

Ryan will be on hand with Mortgage info and I’ll be happy to answer any real estate questions you may have!

🏡✨ Exciting News to share! Another Homeownership Dream Realized with Just $102 Cash to Close! Yup, you read that right…$102!!!!✨🔑

I had the privilege of helping an incredible borrower secure their dream home, and we made the impossible possible! 🏡💰

With a combination of Down Payment Assistance and Seller's Assistance, Amanda Tingle- The Harrington Group of Coldwell Banker and I were able to create a scenario for this borrower minimizing their total cash to close down to just $102! 💵💪

Imagine the joy and relief they felt when they realized their dream of homeownership was well within reach. 🗝️❤️

This is the power of personalized mortgage solutions and dedicated support. I'm here to turn your homeownership dreams into reality, too! 🏠✨

If you're considering buying a home or have questions about your financing options, reach out to me today. Let's make your homeownership dreams come true!!

🏡 Ready to make your homeownership dreams a reality? Whether you're buying or selling, I'm here to guide you every step of the way! 🏡

As your trusted Mortgage Loan Officer, I specialize in finding the perfect mortgage solution tailored just for you. But that's not all – I also love connecting with incredible realtors who are just as passionate about helping you find your dream home.

🌟 So, if you or anyone you know is in the market to buy or sell a home, don't hesitate to drop me a message. My inbox is always open, and I'm excited to assist you on your real estate journey!

🤝 Plus, did you know that I find immense joy in connecting you with top-notch realtors (I just sent a seller lead to one of my trusted realtors this morning 💪🏻💪🏻)? It's a rewarding experience for everyone involved! Your dream home is just a message away, and I can't wait to help you achieve it. Let's chat today! 🤗

"🌟 Happy Monday, everyone! 🌟

A brand new week means fresh opportunities to achieve your homeownership dreams! 💪🏡 Let's kickstart this week with determination and a positive mindset. Whether you're a first-time buyer or looking to refinance, I'm here to guide you every step of the way. Let's make your homeownership goals a reality! 🏠💼

🌟 Happy Friday, friends and valued referral partners! 🌟

As we head into the weekend, I wanted to take a moment to wish you all a fantastic time ahead! 🎉

Remember, I'm here to support you and your clients' homeownership dreams. Whether you need a preapproval or simply have questions about the mortgage process, I'll be available throughout the weekend to assist you. 🏡✅

Feel free to reach out, and let's make those homeownership goals a reality! 🏠

Enjoy your weekend to the fullest, and here's to a successful and relaxing one! 🌞👨‍👩‍👧‍👦

🏡 Thinking about upsizing your home? 🌟 Don't let higher interest rates hold you back! Here's why now might still be the perfect time to make that move:

1️⃣ More Space, More Comfort: A larger home means more room for your family to grow and thrive.

2️⃣ Long-Term Investment: Real estate is an excellent long-term investment, and upsizing can build wealth over time.

3️⃣ Rates: Remember, any decline in interest rates will mean a rise in homebuyers. If rates fall below 5.5%, we could see a 30% increase in homebuyers!

4️⃣ Enjoy the Space: Home is where the heart is, and a bigger home means more space to make beautiful memories.

Don't wait! Slide into my DM's or give me a ring so we can explore your options. Your dream home may be closer than you think. 🏠💫

302-632-3192
[email protected]

"🏡 Finding your dream home is just the beginning of an exciting journey, and having the right mortgage loan officer can make all the difference. Here's why you should choose me:

✅ Expert Guidance: With years of experience in the industry, I bring a deep understanding of the market and lending options. I'll help you navigate through the complexities and find the perfect mortgage solution tailored to your needs.

✅ Personalized Approach: Your financial situation is unique, and that's why I take the time to listen and understand your goals. I'll work closely with you to craft a mortgage plan that aligns with your long-term vision.

✅ Seamless Process: I believe getting a mortgage should be smooth, not stressful. From paperwork to approvals, I'll handle the heavy lifting, keeping you informed at every stage so you can focus on the excitement of moving in.

✅ Best Rates: As a well-connected professional, I have access to a wide network of lenders. This means I can secure competitive interest rates that could save you thousands over the life of your loan.

✅ Lasting Partnership: My commitment doesn't end at closing. I'm here to support you even after you've settled into your new home. Have questions about refinancing, home equity, or any other homeownership topic? I'm just a call away.

Let's make your homeownership dreams a reality together. Message or call me today for a consultation – your dream home awaits! 🌟🔑

📞 302-632-3192

🏠 **Mortgage Monday Tip**

Your credit score plays a pivotal role in your homebuying journey. It influences your mortgage eligibility and the interest rate you'll receive. A higher credit score can potentially save you thousands over the life of your loan. 📊💰

Wondering how to boost your credit score? Here are three key steps:

1. **Check Your Credit Report**: Review for errors or discrepancies that could be dragging down your score. Dispute any inaccuracies you find.

2. **Pay Bills on Time**: Timely bill payments show lenders you're responsible. Set up reminders or automatic payments to avoid missing due dates.

3. **Reduce Debt**: Aim to keep credit card balances below 30% of their limit and pay off high-interest debts. This demonstrates your ability to manage credit wisely.

Remember, your mortgage journey starts with a solid credit foundation. Stay tuned for more valuable tips every 🏡💡

🎉 TGIF Facebook fam!🎉

Happy Friday, everyone! As the weekend approaches, I wanted to spread some mortgage positivity and help you start your day with a smile. 😊

Did you know that owning a home isn't just about having a place to live? It's about creating memories, building equity, and investing in your future. 🏡✨

Whether you're already a proud homeowner or are thinking about taking that exciting next step, remember that I'm here to make your mortgage journey smooth and stress-free. From dreamy fixer-uppers to modern marvels, I'm ready to turn your homeownership dreams into reality.

So go ahead, enjoy that Friday feeling, and let's chat about your homeownership goals!!!

Wishing you all an amazing weekend ahead. Cheers to your homeownership adventure! 🏠🌟