Competitive Rates. Fast Funding. Every Loan Type.
From conventional, FHA, and VA to investment property, self-employed, and specialty programs, we handle it all and do it well. Every loan starts with your income, your credit, and your goals, then we build the right program around it. Backed by PGS Home Loans and based in San Diego, so you get a clear answer fast.
NMLS #2280720 (Ryan Sharpe) · PGS Home Loans NMLS #1665909 · Equal Housing Opportunity
Client Reviews
"We just closed on our homes with Ryan Sharpe! He did an AMAZING job from start to finish! Our specific situation was not easy and very delicate! Ryan was on it! His response time and communication is top notch! He knew exactly what to do and went above the bar!"
"Ryan Sharpe helped my wife and me with our first home mortgage two years ago and just guided us through a refinance. His communication really stands out. He kept a close eye on the market and reached out when it made sense to refinance. Always easy to reach, quick to respond, and clearly knowledgeable."
"Working with Ryan Sharpe was one of the best decisions I made during the home buying process. From start to finish, he made everything smooth, stress-free, and easy to understand. He worked hard to get me the best rate possible and kept everything on track for a timely closing."
"Working with Ryan on our home purchase was an absolute pleasure! He worked closely with us as well as with our real estate agent, and made sure to communicate with us and update us at each step. This home purchase went so much smoother than any other home purchase we have had."
"I recently referred a client to Ryan, and I couldn't be more impressed with how everything turned out. He beat out a competing lender and delivered exactly what my client was looking for. Ryan was extremely responsive, professional, and easy to work with throughout the entire process."
"Ryan was AMAZING through our entire process! Ryan kept us informed every step of the way making this the smoothest home buying experience of our 4 prior! Thank you Ryan! I would highly recommend."
Payment Calculator
Adjust the numbers below to get a quick estimate. When you are ready for real numbers backed by an actual pre-approval, start your application and we will get you an exact figure within 24 to 48 hours.
Loan Programs
50+ loan programs across every kind of borrower and property. Pick the group that sounds like you, or just ask and we will match you.
Qualify using business or personal bank statements instead of tax returns. Built for owners whose write-offs make their tax income look smaller than it really is.
Qualify using 1099 income instead of a traditional W-2, for freelancers, contractors, and gig-based professionals.
Jumbo financing that only requires a single year of tax returns instead of two.
Qualify using your investment and retirement assets as income, built for high-net-worth borrowers without traditional pay stubs.
Flexible, outside-the-box underwriting for borrowers who do not fit a standard conventional box.
Have a more complex situation? Between all our programs, we almost always have something that fits. Call 858-750-8190 and we will match you.
Qualify on the property's rental income instead of your personal income. Built for growing a rental portfolio.
Standard financing for buying or refinancing a rental property.
Financing built around Airbnb and other short-term rental income.
Financing for 2 to 4 unit residential investment properties.
Financing for larger apartment buildings, from 5 to 10 units up through 10-plus unit properties.
Short-term financing to purchase and renovate a property before selling or refinancing it.
Short-term financing to move fast on a purchase while a sale or refinance is still in progress.
Fast, asset-based financing for investors who need to close quickly.
A line of credit based on a property's value after planned renovations, not just its current value.
Compete like a cash buyer, then finance the property shortly after closing.
Financing for commercial real estate purchases and refinances.
Financing for properties that combine residential and commercial space.
Have a more complex situation? Between all our programs, we almost always have something that fits. Call 858-750-8190 and we will match you.
The standard government and agency-backed loan programs, matched to whichever fits your situation best.
Financing for loan amounts above standard conventional limits, for higher-priced homes.
A lower introductory rate for borrowers who plan to move, sell, or refinance within a set number of years.
1-1, 2-1, and 3-2-1 buydowns that lower your rate, and payment, for the first year or years of the loan.
Purchase your next home before your current one sells, without a contingent offer.
A flexible line of credit against your home's equity for renovations, debt payoff, or major expenses.
A second loan behind your existing mortgage with a fixed rate and payment, for tapping equity without touching your first mortgage.
Have a more complex situation? Between all our programs, we almost always have something that fits. Call 858-750-8190 and we will match you.
Programs that help eligible buyers cover part of their down payment or closing costs.
Built around the income and student debt profile of physicians and other medical professionals.
Built for homeowners 62 and older to turn home equity into income without a monthly mortgage payment.
Qualify using an Individual Taxpayer Identification Number when a Social Security number is not available.
Tailored financing for borrowers whose income comes from the cannabis industry.
A path back to homeownership for borrowers who are in or recently out of foreclosure.
Have a more complex situation? Between all our programs, we almost always have something that fits. Call 858-750-8190 and we will match you.
Financing for condos that do not meet standard conventional guidelines.
Financing to build a home from the ground up, from breaking ground through move-in.
Financing to purchase raw or undeveloped land.
Financing for homes on larger parcels of land beyond what standard programs allow.
Financing for working farms and agricultural properties.
Financing for manufactured and mobile homes, on owned or leased land.
Financing for the purchase or refinance of an assisted living property.
Have a more complex situation? Between all our programs, we almost always have something that fits. Call 858-750-8190 and we will match you.
Whether you need funding for your own next project or your client needs financing tied to the work you are doing for them, here is how we help.
Short-term financing to purchase and renovate a property before selling or refinancing it.
Move on your next job or purchase while a sale or refinance is still in progress.
Fast, asset-based financing when you need to close in days, not weeks.
Ground-up financing for a build, from breaking ground through completion.
A line of credit based on a property's value after planned renovations, not just its current value.
Buying your own home? Qualify using business or personal bank statements instead of tax returns, built for contractors whose write-offs make their tax income look smaller than it really is.
When a client needs financing for a renovation, cash-out refinance, or purchase tied to your work, send them my way. I will keep you in the loop so the project timeline stays on track.
Have a project or client scenario that is not listed here? Call 858-750-8190 and we will match you.
How It Works
Complete our secure application in about 15 minutes. No paperwork is required to start.
We review your scenario and typically deliver a pre-approval within 24-48 hours.
We match you to the right loan program and lock your rate at the right time.
Clear communication from application to the closing table, with no surprises along the way.
About Ryan
Ryan Sharpe is a licensed mortgage loan originator with Elite Lending Team, backed by PGS Home Loans. He works across the full range of mortgage financing, from conventional, FHA, and VA loans to investment property, self-employed, and specialty programs, always starting with your specific financial picture and building the loan around it.
Clients consistently point to the same things: fast closings and clear communication from start to finish. Outside the office, Ryan coaches youth lacrosse in San Diego, and that same patience and straight-talk approach shows up in how he walks clients through their financing.
San Diego Based
Ryan Sharpe lives and works in San Diego County and closes loans throughout the region, from the coast to the East County.
Licensed Beyond California
Elite Lending Team and PGS Home Loans are licensed to originate loans in California and beyond, including the states below and others. Verify current licensing on NMLS Consumer Access.
Frequently Asked Questions
It depends on the program. Some conventional and government-backed loans allow as little as 0 to 3.5 percent down, while investment and Non-QM programs typically require more. We will walk you through the real number for your exact scenario.
Yes. Bank statement loans, profit and loss only loans, and one-year tax return jumbo programs are all built specifically for self-employed borrowers whose tax returns do not reflect their real income. Every self-employed situation looks a little different, so let's go over your specific numbers together.
DSCR stands for debt service coverage ratio. Instead of using your personal income, the loan qualifies based on the rental income the property generates. It is one of the most popular ways real estate investors keep scaling a portfolio without their personal debt-to-income ratio getting in the way. The exact terms depend on the property and the numbers, so reach out and we will run your specific scenario.
Yes. Our ITIN loan program lets you qualify using an Individual Taxpayer Identification Number instead of a Social Security number. Give us a call and we will walk through exactly what documentation you will need.
Often, yes. Our foreclosure recovery loan is built specifically for borrowers who are in or recently out of a foreclosure, and we can walk you through the waiting period and requirements that apply to your situation.
Most pre-approvals are turned around within 24 to 48 hours of a complete application. Start your application today and we will get that clock started.
Ryan is based in San Diego County, and PGS Home Loans is licensed to originate loans throughout California and beyond. Call or start your application and we will confirm we can help with your specific property.
It varies by program. Conventional and government-backed loans generally have lower minimums than Non-QM programs, but with 50-plus programs available, there is almost always an option to fit your credit profile. Reach out and we will tell you exactly where you stand.
A buydown, such as a 1-1, 2-1, or 3-2-1 buydown, temporarily lowers your interest rate and payment for the first year or years of the loan. It can be a smart way to ease into a payment now while planning to refinance later if rates drop, or as a negotiated seller concession. We can run the numbers so you can see whether it makes sense for your specific loan.
Yes. We have a dedicated program built specifically for cannabis industry income, so you are not stuck trying to force your situation into a standard loan. Reach out and we will walk through exactly how it works for your situation.
Yes, we have financing options for manufactured and mobile homes on owned or leased land. Guidelines vary depending on the age, foundation, and title status of the home, so reach out and we can walk through what applies to your specific property.
A cash-out refinance replaces your existing mortgage with a new, larger one and gives you the difference in cash. A HELOC, or home equity line of credit, leaves your existing mortgage untouched and adds a separate, flexible line of credit behind it. Which one makes sense depends on your current rate, how much equity you have, and what you plan to use the funds for. Call us and we will help you figure out which option actually makes sense for you.
Yes. Our asset depletion program lets you qualify using your investment and retirement account balances as income, built for high-net-worth borrowers and retirees without traditional pay stubs. Reach out and we will look at your specific assets to see what you would qualify for.
Yes. Our Buy Before You Sell program and bridge loan options let you make a non-contingent offer on your next home and close before your current home sells, so you are not stuck trying to time two closings perfectly. Call us to see if this fits your specific timeline.
Start your application online in about 15 minutes. There is no obligation, and no impact just to see your options.
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