Guild Mortgage - Ryan Smith Applegate Ct, Madison

We have worked with Guild Mortgage ( formerly Waterstone) twice now. Both purchases from start to finish have been seemless. When you work with Ryan Smith you really do get a Team of specialized loan managers that are always quick to explain or answer any of our questions from offer, to the closing. They are very detailed and don't leave any surprises when it comes to out of pocket costs. We have worked with Rebecca, Noel, and Carol on multiple occasions and these ladies have always been knowledgeable and professional in every interaction. A+ service from Ryan's team!

My experience with waterstone was great. The team is always professional and act like you are their only client. They answer all your questions very quickly. The team keeps you on track with getting paperwork finished, which if you are a first time buyer us a lot. Cant go wrong with The Ryan Smith Team!

Ryan Smith and his team were responsive, organized, and worked closely with our Realtor to ensure we had every detail in order to purchase our first home. Especially given it was our first time going through the process of securing a mortgage, they were a pleasure to work with. Took the time to make sure we felt comfortable with every step, and that we understood the specifics of every aspect of the process.

Choosing a mortgage is an incredibly daunting process, however Ryan's team, including Hannah and Carol, made the process seamless and worry-free. I would recommend them to anyone, especially first-time home buyers!

I can not thank Ryan and his team enough for the work they put in to get me financed for a mortgage. They were very helpful and explained the process to me step by step. The challenges that they had to overcome to assist me in this process were numerous and tough but they persevered on my behalf and got it done. I felt good working with the team and trusted the people and the process. Thank you for your help and professionalism.

Ryan Smith's Team at Waterstone is top notch! We worked closely with Ryan, Noele, Rebecca, and Carol, and absolutely loved the experience. We have worked with Ryan's team twice now and wouldn't have it any other way. Even amidst craziness (in our case, trying to time quick closings, and dealing with an irresponsible buyer that delayed our closing), Ryan's team will get the job done no matter what!

I have gone to Ryan Smith and his team both as a borrower and a realtor with my clients. They epitomize diligence, professionalism, and responsiveness. When other lenders have on occassion dropped the ball, Ryan, Rebecca, Carol, and Noele have moved mountains to save the day and bring the transaction to the closing table. They have one of the wider selections of loan products to help any type of buyer. Call them today!

The Ryan Smith Mortgage Team is a powerhouse of extremely professional, knowledge, and hard-working individuals. Dominik, Rebecca, and Carol get a special shout out for all their efforts. They also get a big THANK YOU because I know I was not the easiest client! When I met with Ryan I needed some hand holding to make sure I set myself up for success financially. Ryan gave me a couple of options and made sure I knew the pros and cons for each. All my questions were answered in a timely fashion. This is my 3rd home purchase. The first two were with a large well-known bank. Both of those loans turned into a mess after some questionable actions on the Lenders side. I’m very happy I went with Ryan’s team this time around and plan on eventually returning to discuss a HELOC and eventually refinancing when the right opportunity arises.

Excellent mortgage team to work with. They made themselves available anytime we had questions, and made the process very easy. I wouldn't hesitate to send someone their way, and if we ever buy again in the area, we will be giving them a call.

I had worked with Ryan Smith's Mortgage Team at Waterstone Mortgage when I purchased my condo about a year and a half ago. Now it was time to refinance a property I own in another state. I was thrilled to find that Ryan Smith's Team was also able to help me with this refinance. I love working with this knowledgeable, helpful and caring team of people. Ryan, Rebecca, Noele and everyone at Waterstone mortgage is professional and truly cares about their clients' needs. The refi went very smoothly due to their efforts and I couldn't be more pleased!