Primary location
852 Maleta LaneCastle Rock, CO 80108
Connect with Ryan
-
ryan.randle@usbank.com
- 303-495-6813
- 806-239-3635
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyAbout me
No matter where you are in the home buying process, I can help.
- As a Mortgage Sales Supervisor right here in Castle Rock, I work with you to help you find the right mortgage for your unique situation.
- You probably have lots of questions. How much house can I really afford? Which type of mortgage best fits my needs? I can help you answer questions like that and I've worked with lots of people in and around Castle Rock with home financing needs similar to yours.
I'm proud to work for a reputable bank like U.S. Bank, and you can trust me to do what's right for you. So give me a call at 303.495.6813.
Certifications
- Certified Construction Mortgage Loan Officer
- Private Wealth Mortgage Banker
- Wealth Management Mortgage Banker
- Certified Builder Mortgage Loan Officer
Awards
- Leader’s Council
- Legends of Possible
Service areas include
- Castle Rock
- Castle Pines
- Parker
- Lone Tree
- Franktown
- Aurora
Castle Rock, CO 80108
Social platforms
Connect with Ryan
-
ryan.randle@usbank.com
-
303-495-6813
-
806-239-3635
-
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyExplore more
Resources for builders and realtors
You need a lender that cares about your clients as much as you do.
Today's mortgage rates in Colorado.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific down payment amount for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of .
See rates for other states.
Compare current mortgage rates.
Conventional fixed-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed | ||||
| 20-year fixed | ||||
| 15-year fixed | ||||
| 10-year fixed |
Conforming adjustable-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/6 mo | ||||
| 7/6 mo |
Jumbo adjustable-rate mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 yr | ||||
| 7/1 yr | ||||
| 5/1 yr |
FHA mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - FHA |
VA mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - VA |
Jumbo mortgages
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - jumbo | ||||
| 20-year fixed - jumbo | ||||
| 15-year fixed - jumbo |
Ryan Randle
Mortgage Sales Supervisor
NMLS# 452323
303-495-6813
- ryan.randle@usbank.com
303-495-6813
-
806-239-3635
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyToday's refinance rates in Colorado.
The mortgage rates shown below assume a few basic things, including:
- You have very good credit (a FICO® Score of 740+) and a specific amount of equity for your loan type.1
- Your loan is for a single-family home as your primary residence.
- You will purchase up to one mortgage discount point in exchange for a lower interest rate. Connect with your mortgage loan officer to learn more about mortgage points.
Rates are current as of .
See rates for other states.
Compare current refinance rates.
Conventional fixed-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed | ||||
| 20-year fixed | ||||
| 15-year fixed | ||||
| 10-year fixed |
Conforming adjustable-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/6 mo | ||||
| 7/6 mo |
Jumbo adjustable-rate refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 10/1 Jumbo | ||||
| 7/1 Jumbo | ||||
| 5/1 Jumbo |
FHA refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - FHA |
VA refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - VA |
Jumbo refinance loans
| Term | Rate | APR | Monthly Payment | Points |
|---|---|---|---|---|
| 30-year fixed - jumbo | ||||
| 20-year fixed - jumbo | ||||
| 15-year fixed - jumbo |
Ryan Randle
Mortgage Sales Supervisor
NMLS# 452323
303-495-6813
- ryan.randle@usbank.com
303-495-6813
-
806-239-3635
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage calculator
Use our mortgage calculator to help you better understand your home financing options.
Ryan Randle
Mortgage Sales Supervisor
NMLS# 452323
303-495-6813
- ryan.randle@usbank.com
303-495-6813
-
806-239-3635
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyReviews
Ryan Randle
Mortgage Sales Supervisor
NMLS# 452323
303-495-6813
- ryan.randle@usbank.com
303-495-6813
-
806-239-3635
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
ApplyMortgage FAQ
Get answers to your questions regarding home financing, refinancing and more.
Jumbo loans
A jumbo loan is for single-family homes with loan amounts greater than $726,200. In certain high cost areas, such as Alaska and Hawaii, the loan amount must be greater than $1,089,300. To qualify for a jumbo mortgage loan, you must meet the established guidelines for credit score, income and other personal financial information.
Jumbo loans are mortgages that exceed conforming loan limits. The limit on conforming loans is $726,200 in most areas of the country, but jumbo mortgages can exceed these limits. The limit can be as high as $1,089,300 in certain high cost areas, including Alaska and Hawaii.
A VA jumbo loan is a Veterans Affairs (VA) loan that exceeds the conforming loan limit of $726,200 and up to $1,089,300 in high-cost areas such as Alaska and Hawaii. If you’re an active-duty service member, veteran or eligible surviving spouse, and you meet the income and credit requirements, a VA jumbo loan could be an option for you.
ARM loans
An adjustable-rate mortgage (ARM) is a home loan that has an initial fixed-rate period of five, seven or 10 years and an adjustable rate after the fixed-rate period ends. After the introductory rate term expires, the estimated payment and rate may change. An increase or decrease depends on the market conditions at the time of the conversion to the variable rate and during the adjustment period thereafter. An ARM loan could be a good option if you plan to sell within a few years.
With an (ARM) loan the initial interest rate is fixed for a set period and then becomes variable, adjusting periodically for the remaining life of the loan based on market conditions. For example, a jumbo 10/1 ARM has a fixed rate for the first 10 years and an adjustable rate for the remaining duration of the loan, adjusting every year. A 7/6 ARM has a fixed rate for the first seven years and an adjustable rate for the remainder of the loan, adjusting every six months. To learn more about how ARM loans work, connect with your mortgage loan officer.
Yes, an existing ARM loan can be refinanced upon credit approval. The benefits of refinancing a mortgage , may include replacing the terms of your current loan with terms that are more favorable for you, lowering monthly payments, getting access to cash for major purchases and reducing your interest rate. Your mortgage loan officer can help you find the right choice for your needs.
Construction loans
Construction loans are short-term, interim loans used for new home construction, including land, contractor labor, building materials, permits and more. With these loans, the contractor receives disbursements as work progresses. There are several construction loans designed to fit nearly every new home construction need. Some options include construction-only loans and construction-to- permanent loans, where the loan is used for the construction of the home and then converts into a permanent mortgage loan.
Construction loans are short-term loans that cover the cost of building a new home. These loans are usually shorter in duration and proceeds are paid directly to the contractor in installments, or “draws,” as building milestones are achieved. An inspection is typically required before each payment is released to the contractor. To learn more about how construction loans work, connect with your mortgage loan officer.
If you’re considering a construction loan, there are a variety of qualifying factors, including but not limited to, credit score, debt-to-income ratio and credit history. Contact your mortgage loan officer to see if you qualify for a construction loan.
Lot loans
If you’re considering a lot loan, there are a variety of qualifying factors, including but not limited to, credit score, down payment amount and debt-to-income ratio. Contact your mortgage loan officer to learn more about how to get a lot loan.
A lot loan is a mortgage that pays for a residential lot on which a single-family detached home will be built in the near future. It’s different from a construction loan in that it only pays for the lot the home will be built on. The construction loan pays for the construction of the home itself. Condo properties and properties with existing structures on the site are not eligible.
Lot loans are available to qualified buyers who are interested in buying a lot to build a home on. With lot loans, the initial interest rate is fixed for a set period and then becomes variable, adjusting every year for the remaining life of the loan. For example, a 5/1 ARM lot loan has a fixed rate for the first five years and an adjustable rate for the remaining duration of the loan. To learn more about how lot loans work, connect with your mortgage loan officer.
Self-employed borrowers
To qualify for a mortgage loan when self-employed, you’ll need to fill out the same application and meet the same requirements as regular salaried or hourly workers with a W-2 from their employer. The difference is that, you’ll also need to provide some additional documentation, which may include two years of employment verification and income documentation.
To calculate your monthly income, you’ll average your adjusted gross income (total income minus deductions) from the last two years of tax returns. Take your adjusted gross income from each form, add the two numbers together and divide by 24. While there are several factors that determine your eligibility, this simple equation will provide a rough estimate of the amount your mortgage lender will use for consideration of a mortgage loan.
To qualify for a mortgage loan when self-employed, you should be prepared to meet a variety of qualifying factors that can include credit score, down payment and debt-to-income ratio. You can strengthen your ability to qualify by taking steps to build and maintain a solid credit history and score prior to applying for a loan. If you’re a current U.S. Bank customer, you can monitor your credit for free with our tool. Getting a home loan when you’re self-employed is certainly possible, but you must be prepared for a slightly different mortgage process.
Ryan Randle
Mortgage Sales Supervisor
NMLS# 452323
303-495-6813
- ryan.randle@usbank.com
303-495-6813
-
806-239-3635
Connect when it's convenient for you. Request a call.
Ready to apply? Start your application.
Apply