Ryan Miles · Louisville Mortgage Broker

A mortgage plan built around you.

Experienced guidance, clear answers, and a smoother mortgage process from pre-approval through closing.

Licensed since 2008 Kentucky mortgage experience
Access to 200+ lenders Rates, programs, and terms I compare for you
Local and directly available Call, text, or meet with me in person

How I work for you

Your mortgage, shopped.

You should not have to compare lenders, loan programs, and rates on your own. I do that work across my network, explain the tradeoffs, and bring back the options that fit your goals, finances, and timeline.

01

Start with a consultation

We talk through your goals, numbers, timing, income, credit, and anything unusual. Then I begin shopping my lender network.

02

Review the strongest options

I compare available rates, programs, cash to close, and tradeoffs, then explain the options in straightforward terms.

03

Move confidently toward closing

Once you choose a path, I handle the mortgage process, keep the details moving, and stay directly available through closing.

Loan options

More ways to make the numbers work.

A broader lender network gives me more places to look if you want to minimize cash up front, have a non-traditional income or credit profile, were turned down elsewhere, or simply are not sure where you stand.

01

Buying with less money down

Down payment assistance and options that may require little or no money down for eligible first-time and repeat buyers.

02

Conventional, FHA, VA, and USDA

Established loan programs with different approaches to down payment, credit, and qualifying needs.

03

Unique income or credit situations

Bank-statement, non-QM, and other specialty programs for self-employed borrowers, complex income, credit challenges, or scenarios another lender declined.

04

Investment property and refinancing

DSCR and other investment property options for first-time and seasoned investors, plus refinancing when it supports the plan.

For real estate agents

Clear pre-approvals. Direct answers. Communication through closing.

As a real estate agent, you should not have to wonder where your buyer's financing stands. I review the scenario directly, communicate clearly, and stay engaged with the processing team as the loan moves toward closing.

  • Quick scenario review
  • Direct borrower communication
  • Updates when a decision is needed
Talk through a buyer scenario

About Ryan

Local roots. A straightforward approach.

I was born and raised in Louisville. I help people make sense of mortgage financing, whether the situation is simple or takes more work.

My role is to explain the choices, handle the details, and be available when you or your agent need an answer. If you prefer meeting in person, we can do that too.

Ready when you are

Start the pre-approval or talk through the numbers first.

You do not need to have everything figured out before reaching out.

ryan@sweetwaterHL.com