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Loan Consultant | NMLS #230507

PINNACLE HOME LOANS

Corporate NMLS#02083817

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Stop worrying about home loan hazards -

ascend with confidence, guided by expertise and strategy.

first,

this is all about you!

 In a world of uncertainties, finding the perfect   home and securing the right financing can be   daunting. 

 

It's easy to feel lost and pushed into the wrong home with the wrong mortgage because of someone else's agenda.

You deserve a journey built around your goals.

 

With me by your side, anticipate an experience where surprises are replaced with strategic foresight and YOUR dreams are kept in focus every step of the way. Let's turn your homeownership aspirations into reality, together.

Hello, I'm Toni!

As your seasoned mortgage guide with over three decades of experience, I am committed to transforming your homeownership journey into a seamless, straightforward experience.

My goal is to empower you during this process so you feel confident in every decision.

 Whether you're a first-time buyer or a 

 seasoned homeowner, I specialize in 

 strategic financing solutions and 

 anticipate what is needed from day   one so there are no surprises. 

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but wait...

let's clear up 3 common misconceptions about home financing?

Stressed Man

#1 - Think you need an 780 credit  score to get a good rate? Stop worrying! 

We work with a variety of a credit scores and can even help raise your score quickly.

If you're dealing with less-than-perfect credit, we understand. Our loan programs allow flexibility so you can still qualify for an interest rate and payment that fits your goals. And, if your credit score needs some TLC, we can create a tailored strategy to raise your score quickly without costs or credit counseling. It's never too early to start planning for your next home.

Dollar Bills

#2 - Think you need 20% for your down payment? 
Stop worrying! 

We have programs that let you purchase a home with low or no down payment.

You deserve more than a one-size-fits-all home loan - that includes the standard 20% down payment everyone thinks they need to buy a house. We maintain access to the latest loan programs including ones with low down payment options so you can decide where your hard-earned savings should go.

Business Meeting

#3 - Think you can't qualify because you're self-employed?  Stop worrying! 

We know how to help borrowers who have unique circumstances.

Not everyone has a W-2 job with clockwork paystubs. If you have unique circumstances as a self-employed business owner, retiree or contractor (just to name a few) - we know the kinds of strategies needed for 

You're not a number. You're a real person.

So are we!

What is the next step?

it's easy to choose!

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Want to buy a home?

Buying a home can feel monumental and confusing. We've got you! We'll walk you through the steps with our easy Home Loan Road Map.

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Looking to refinance?

Let us help you get the best rate and keep the process as straightforward as possible.

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Ready for actual numbers?

Let us create a Loan Analyzer Worksheet just for you! Use it to easily understand and predict the costs of your home loan.

No cost. No obligation. No credit pull required.

Request a call

No cost, no obligation. Let's talk!

Thank you for reaching out! We'll reach out within 1 business day.

By checking the box and hitting "Submit," you agree to Toni Ryan's & Pinnacle Home Loan’s Terms of Use and Privacy Policy. You consent to receive phone calls and SMS messages from Toni Ryan and Pinnacle Home Loan to provide updates/support concerning your loan and/or for marketing purposes. Message frequency may vary, message and data rates may apply. You may opt-out by texting "STOP."  Reply "HELP" to receive help. Please see our Privacy Policy, linked Here

Together at the Top

Your dreams are possible

let's work together!

Apply now (secure)

By checking the box and hitting "Submit," you agree to Toni Ryan's & Pinnacle Home Loan’s Terms of Use and Privacy Policy. You consent to receive phone calls and SMS messages from Toni Ryan and Pinnacle Home Loan to provide updates/support concerning your loan and/or for marketing purposes. Message frequency may vary, message and data rates may apply. You may opt-out by texting "STOP."  Reply "HELP" to receive help. Please see our Privacy Policy, linked Here

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© 2025 by Toni F. Ryan - NMLS#230507

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Toni Ryan - NMLS#230507
Direct/Text: (530) 305-7668
Email: toni@toniryan.com

Main Office:
333 University Avenue Ste 200 #7
Sacramento, CA 95825
In-person meetings by appointment
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© 2025. All Rights Reserved | Equal Housing Lender | Not a commitment to lend. Rates and terms subject to change without notice. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; AZ #1015403; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance;Licensed by the Minnesota DOC #MN-MO-1141; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759. NMLS #1141. www.nmlsconsumeraccess.org  Privacy Policy

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