Testimonials

    

This is the second time I have used Ryan. 1st to buy our house and 2nd to refinance. I thought there was no way we would be able to refinance, after talking to Ryan and answering a few question, he said “we can do it”. Still had my doubts (simply because of my situation, had nothing to do with him). He assured me through the whole process that everything will work out as planned, he was VERY informative and communication was way above and beyond. And to my surprise, just like he said, everything worked out perfectly and Ryan has changed mine and my wife’s life for the 2nd time. It may have just been a refinance to some but it was ABSOLUTELY life changing to us. Thank you Ryan.

Joe Z.
North Port FL

    

Ryan and his team are wonderful most definitely would work with them again!!!! Seriously give them a try. They made it happen for me when I didn’t think it could be done … 5 stars”

Andrew M.
Deltona FL

    

I was introduced to Ryan by way of fb. And from that point on Ryan and I became friends on fb and helped me work on my credit and guided me through to the point of me buying my first home. We started and within a year I went from a low credit score to a great score and into a perfect home for myself because of Ryan and his kick butt mortgage team. And 5 stars isn’t even the best because him and his team are top notch and are there to see you succeed and after the sale he and his team stayed in contact as friends and always there incase ever needed. I recommend them and Ryan to all my friends and any fb followers .

Robert C.

    

As a Realtor, it is refreshing to have a lender who brings me business and not the other way around.
He is a great communicator and industry leader in marketing along with a deep understanding of the many aspects of lending. He is Aces!

Jason Knutson, Realtor
Ft. Myers, FL

    

Ryan was really helpful with my refinance. I locked in at 2.25% and when the market rate went down, he adjusted me to 1.99% without charging me anything extra. I received gifts in the mail when I was pre-approved and after I closed. He was quick to respond to all of my questions every step of the way. I’m glad I went with Southwest Funding!

Melanie S.
Lehigh Acres, FL

    

As a Realtor, Ryan is my “go-to” lender of choice and has been since I “found” him a few years ago. His work is meticulous and thorough. I primarily work with first time home buyers and it’s important for a lender to be willing and able to work with their special needs.

Dee Comer Godwin, Realtor
Port Charlotte FL

    

My husband and I worked with Ryan when we initially bought our home 2 years ago. He worked for a different company then. We had the best experience! So great, we decided to work with him again at Southwest Funding, for our refinance. Ryan and his team are easy to work with, super friendly, and all around great people. He really is the “Kick Butt Mortgage Guy”. Thank you Ryan!

Kiera P.
Chipley FL

    

Can’t say enough about the work Ryan does! Our situation buying a house was very tricky. Everyone kept telling us that we couldn’t get a loan or they were only able to give us enough to buy a house that was unlivable! I think Ryan took that challenge personal. He was able to set us up and find different programs that were available that we could use to buy our first house! He is not lazy that’s for sure! He is very dedicated to his work and truly wants the best for his clients! I would recommend Ryan to everyone!

Mitch A.
Mankato MN

    

We used Ryan when buying our home last year and he made the process nearly seamless! It was a HUD Home and took some extra work, but he got it done! Highly recommend Ryan to anyone in need of a lender!

Holly C.
Florida

    

Ryan and his Team went above and beyond with helping me. Great communication and were very responsive. I’ve worked with lots of mortgage people over the years, and Ryan is a true professional.

Joe F.

    

Ryan was very helpful with my refinance. I would recommend him to everyone!

Jeremy K.
Bonita Springs FL

    

Ryan came very highly recommended from my old mortgage guy in Pennsylvania. The process was quick and aside from a hitch with issues about road status was very smooth. Very happy with my refinance and would certainly recommend Ryan and his team to others.

Sarah O.

    

Ryan is fantastic to work with. He was able to get clients closed on my listing quickly and flawlessly. He is a sharp guy with great communication skills and has a wonderful personality. I highly recommend Ryan and would trust any of my clients with him.

Ellie Chan, Realtor
Merritt Island FL

    

I absolutely LOVE working with Ryan Speltz and his team:) They are super responsive, he explains everything in full detail to his clients, they always go above and beyond on everything they do, their communication is some of the best I’ve seen in working with many lenders and he’s just an overall amazing human being! Did I mention that he gets the BEST rates too? We have worked together (title and lending) for nearly 2 years now and he has grown his team into perfection! If I could give 10 stars with this team, I would so 10 stars from Tiago!

Amber G. Title Agent
Dallas TX

    

Ryan and his kick butt mortgage team are second to none. The level of professionalism and the informative interaction I received from them set the bar for what all transactions should be like. This is my second mortgage. My first mortgage was with a different company. I was always in the dark with them, never knew where we were in the process. That’s not the case with Ryan’s team. I really felt like they were working for my business. Other businesses should follow the example set by this team. Thank you for all you did. Should I ever decide to secure a mortgage for another property, you’re my first and only call

D.G.

    

Due to unforseen circumstances I had to refinance my home only 4 months after purchasing it. Ryan has been incredibly helpful throughout this process. His entire team responds quickly to my questions and have been making the whole process very easy and simple.

Jennifer T.
Punta Gorda FL

    

Ryan and the whole team at KickButt were very informative, knowledgeable at their profession and used innovative software to show us our financial situation. He showed us multiple options we had during our journey of being financially independent as well as giving us a visual of where we could be if we hit our goals. It was great to go through this experience with confidence in our mortgage team being that my wife and I are novice to these financial opportunities. Thank you!

M. Rios
Wesley Chapel FL

    

Our landlord decided suddenly he was going to sell the house we had been renting, we had previously talked about buying it but had never moved forwarded. I contacted Ryan and he got right back to me! I honestly never thought it could happen, but Ryan did it! He answered my endless questions and supported us through the entire process. Could not be more grateful! Ryan and his team are fantastic and I highly recommend them!

Erica S.
Kissimmee FL

    

Ryan helped a good friend with a refi in 2020. Process was smooth, quick and really made a positive impact on my friend’s finances. Would highly recommend using Ryan for all of your mortgage needs.

MJK

    

I was referred to Ryan because I have a low credit score and was told he could possibly get me financed. He immediately contacted me and informed me of necessary things to do and I qualified for a loan which really surprised me. With his guidance, we are working on raising my score so I can get a better rate and a higher loan amount. I highly recommend.

Becky C.
St. Petersburg FL

    

Excellent! Look no further than Ryan and his team for all of your mortgage needs. Incredibly knowledgeable and truly takes the confusion out of the purchasing process. I will not hesitate to work with Ryan for all my future mortgage needs.

Nathan J.
Port Charlotte FL

    

Ryan Speltz has been fantastic!! He’s not pushy but checks in enough to know that we are on his radar and available for us. He has been very patient and responsive. I only wish everyone our business deals with was as courteous, professional, and responsive as Ryan.

A. C.

    

This was my 2nd time using Ryan for a mortgage, once for the initial purchase and then for the refinancing. Ryan really is a “kick butt mortgage guy” that gets the deal done! It’s nice having someone you know and can trust during a transaction like this, especially during these difficult times. Give him a shot once and he will be there for the next one When you need. It pays to build a relationship with someone in this business instead of just accepting some random person assigned from a big company that may just be ok at their job. Ryan is dependable and honest and works hard for his clients. Until next time sir!

Chris M.
Ft. Lauderdale FL

    

Ryan has not only come thru once but twice for us. Ryan and his team have saved us tens of thousands of dollars! I would not hesitate to refer Ryan to anyone, he truly does kick butt and work hard for you.

Kim H.
Sugarland TX

    

Ryan Speltz and his team were wonderful to work with because they treated us like people not just another number, and my realtor Kim Kelly (who is the best realtor ever and was recommend by Ryan) and I were always in the loop on info and always kept us up to date on where in the process we where at all the way to our closing date ,and if I had a question and I had many lol Ryan or his team would answer vary quickly if not immediately, if you want to close on a house and be home owners I highly recommend Ryan and his team they will make your dreams come true

P.S
to Ryan and his team thank you so much again for making my big family’s dream come true

Peter R.
Wauchula FL

    

Ryan is great! We have worked with him multiple times now and he is always so helpful! If you need a mortgage guy this is him!

Tabitha W.
Seminole FL

    

I was the first account Ryan closed and he helped me purchase my first home. He made the process go smoothly and I felt the support the entire time. I am forever grateful. Thank you from Georgetown SC

Stacey R.
Georgetown SC

    

Wow did I ever put Ryan Speltz to task on my mortgage refinance! I asked just about every question possible, and Ryan worked diligently – even after hours, to answer everything. Definitely above and beyond what was expected. I’m a very happy customer, and I’ll be back to refi with Ryan again in a few years.

Matthew B.
St. Petersburg FL

    

I wrote a review about a year ago and I stand by it ☺️
Throughout the years we’ve now worked together, and despite the many challenges we all faced during this pandemic, Ryan and his team continue to work hard, go above and beyond, answer any and all questions for their clients (direct as well as us agents), fight their way through ever-changing guidelines and underwriting stipulations, and tirelessly make the dream of home a reality 🏡❤️

You’re a mortgage rockstar!
Thank you for all you do 🙏

Kim Kelley, Realtor
Tampa Bay FL

    

Ryan is the most delightful and helpful person. He was responsive through out the whole loan process. Looking forward to working with him again!!

Vickie C.

    

Ryan was very helpful with telling me how to work on my credit. He has helped my daughter and son inlaw get into their house. He was very professional.

Susan W.

    

Ryan and his team were absolutely amazing to work with. The process was fast, efficient, and caused no hair pulling. I couldn’t think of a better team to go with, whether refinancing or buying new.

B. Sch.

    

I had a difficult divorce causing major financial issues. I was told I can only get a FHA loan and not enough money for my home. Well Ryan told me different. He got me a conventional loan for the amount of my home. He was knowledgeable and professional. He was (and still is) simply AMAZING! THANK YOU RYAN .

Crystal L.

    

“I cant begin to express my gratitude and appreciation for Ryan Speltz. He helped my family overcome an obstacle we didn’t think possible. There was times I was unsure of certain mortgage lingo, he was always readily available to answer my questions and explain in detail the meaning in a way my husband and I understood might it didn’t matter the time of day. Ryan did extra and went above and beyond to help us figure out a new budget that will help my family see the light at the end of the tunnel! We honestly thought our hands were tied with our mortgage and debt, but he saved us. Thank you Ryan for absolutely everything you have done for my family and we wish you many blessings in your future your great at your job and southwest funding is very lucky to have you.”

Jenn B.

    

Ryan and his team are extremely helpful and ensure the client is getting the best product to match their needs. He has been a great asset to me and my clients.

Tamily Abdo, Realtor
Wesley Chapel FL

    

Ryan has been very helpful while I’ve been waiting for my mother’s estate to go through probate. He returns calls/emails quickly and kindly. No BS. That’s all I need, facts & answers

Chrissy S
Seminole FL

    

Ryan was a stand up guy abs told me everything I needed to do up front. Said it’s possible and coached me how to fix it all. Great guy for sure

Pablo R.
Zephyr Hills FL

    

Extremely knowledgeable and helpful throughout the entire process. Made buying my home quick and easy. Will definitely use them again if I buy another home!

Ryan C.
North Port FL

    

Ryan Speltz at Southwest Funding was fantastic and comes highly recommended. He was professional, knowledgeable, trustworthy, and made the complete process a smooth one. Thankful for all the help he and his team provided in funding our new home.

Melanie S.
Lehigh Acres, FL

    

Ryan and his team are amazing! Bought my first home in June’! They took care of every detail for me! Thanks again!

Jennifer M.
North Port FL

    

If it’s possible, he can make it happen!

Going above and beyond to deliver exceptional service while being down-to-earth, suggesting options that are truly in his clients best interest, and great communication are but a few of the perks of working with Ryan.
It is not about the pre-approval and maximizing profits, it’s about making connections for life and helping people build a future they can afford.

Thank you for all you do!

Kim Kelly, Realtor
Tampa Bay FL

    

Ryan is great! We have worked with him twice now and he goes above and beyond to help get you the right deal!! Thanks Ryan!

Derek S
North Port FL

    

This is a five star team no doubt in the Tampa Bay market. This team especially Ryan Speltz will provide you with an easy, predictable process everytime. Give this Southwest funding team a call for any of your buying or re-financing needs. Highly Recommended!

Remarketing Ryan
Tampa Bay FL

    

Ryan runs a tight ship. He makes the mortgage process easy to understand and delivers on set expectations. Five stars!

Jeffrey Brown, Realtor
Austin TX

    

Ryan is super informative! He was patient, answered all my questions and had great advice as a new home buyer

Jillian P.
Bradenton FL

    

I worked with Ryan briefly to start the process of buying. He was prompt informative and a valuable resource. I highly recommend him!!

Seth F.
St. Petersburg FL

    

I’ve worked with Ryan and his team on multiple closings. There’s no one I trust more when it comes to getting a home financed. I would highly recommend.

Jon Fultz, Realtor
St. Petersburg FL

    

Ryan helped us with getting our finances in order! We found financing through our bank, but Ryan was extremely critical in us getting to that point.

Devon P.
North Port FL

    

Great to work with! They have great attitudes and work really hard to get what you need done! Would use them again!

Jayden V.
Panama City FL

    

The man and his team did the impossible… they helped a small business “owner refinance his families home… DURING THE COVID PANDEMIC!!! Hire him 🙂

Lucas P.
Baxter MN

    

Ryan is a trustworthy person and an excellent lender!

Trent S.
St. Petersburg FL

    

I refinance my house and it was as painless as possible.

Ray W.
St. Cloud MN

    

Good team. Good instructional videos. all done virtually and timely.

Michael F
Fort Mill, SC

    

Always willing to help even if you aren’t funding with them! Thank you for all your help

Mia Brito
Miami FL

    

Great to work with, knowledgeable and nice!

Misty Curtis, Realtor, ABR
Panama City FL

    

I was referred to Ryan because I have a low credit score and was told he could possibly get me financed. He immediately contacted me and informed me of necessary things to do and I qualified for a loan which really surprised me. With his guidance, we are working on raising my score so I can get a better rate and a higher loan amount. I highly recommend.

Becky
St. Petersburg FL

    

Ryan & Melissa were so helpful in every way. They replied within a timely manner every time. Any little question I had as a first time home buyer they answered with plenty of knowledge & made it easy to understand!

Destiny
Clearwater Beach FL

    

Ryan was able to set me up with a new mortgage. He was very helpful in explaining the process from start to finish. He was available most hours of the day to answer questions, and help in anyway. I have had other mortgages and he was my best experience by far.. He remains professional and polite throughout the process.

Tammi S
St. Petersburg FL

    

My husband and I worked with Ryan when we initially bought our home 2 years ago. We had the best experience! So great, we decided to work with him again at Southwest Funding, for our refinance. Ryan and his team are easy to work with, super friendly, and all around great people. He really is the “Kick Butt Mortgage Guy”. Thank you Ryan!

Keira
Tampa Bay, FL

    

Hands down best experience working with Ryan and his team. They will go above and beyond to help you. I travel for work which makes signing paperwork difficult. They arranged everything remotely and had a notary in the location I was at come out. Thank you for the great experience!

Corey S
St. Petersburg FL

    

Ryan was really helpful with my refinance. I locked in at 2.25% and when the market rate went down, he adjusted me to 1.99% without charging me anything extra. I received gifts in the mail when I was pre-approved and after I closed. He was quick to respond to all of my questions every step of the way. I’m glad I went with Southwest Funding!

Mel
St. Petersburg, FL

    

Ryan was our lender when we bought our house and now for our refinance. The process was seamless and stress free. Highly recommend for all your mortgage needs!!

Carrie S
North Port, FL
Ryan Speltz Loan Officer

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