The Niles Team - A Professional Mortgage Experience High School Rd, Bainbridge Island

To start off, I feel it's important to note that this is actually the third time I have used Ryan Niles & his team for home loans/refinancing options. With all of the options out there, I have consistently stayed with Ryan and his team due to top notch service that I have been provided over the last 7 years of working with them. The entire teams communication is spot on and very timely. I was kept well informed of where we were at in the process and the "Do's and Don'ts" to abide by. Ryan - Extremely knowledgeable and even though he has a team to help with his work, I still have frequent communication and interactions with him. (Even though he's running the show behind the scenes, he still show up on the front lines). David - Helped a ton with the initial approvals and onboarding to get the entire approval process set up and was one of the main communicators throughout the process. Very easy to work with and friendly. Adam - Helped ensure the entire process through mutual acceptance and closing ran smoothly and everything was on track. Keeps you well informed and doesn't hesitate to pick up the phone and call you to go over details. Shannon - Has been around for at least the 7 years I have been using Ryan. Her attention to detail throughout the underwriting process was out of this world. She really is a rockstar and doesn't miss a beat. She made sure all documents were accounted for to make for a very smooth closing and final approval. A big thanks and 5 star review to the entire Niles team. If you're looking for a rock solid team to carry you through the entire mortgage process, no need to look any further. This local team has everything you need and was readily available when I needed them.

Our family has had the pleasure of working with The Niles Team across 2 mortgages and 2 refinances, most recently with a tricky mortgage for purchasing a new home in May of 2021 that required a very quick closing period of 20 days. As they have in the past, they were not only able to easily help us secure the mortgage and close on time but they did so in am impeccably professional manner, keeping us constantly up-to-date on the loan process and ensuring we provided all of the appropriate information at each different step. They also leverage technology that made it easy for us to understand the cost breakdown for different financing options (i.e. buying discount points), making it easy to select the right one for our family. We highly recommend them and will definitely work with them in the future.

We were referred to the Niles Team by a friend who highly recommended them. We couldn't be happier that we worked with them too. Things that stand out to us are that they were very responsive over email/zoom to address our many questions, they made it easy to understand the process and documents, and they were proactive with us through the whole process. We would work with them again in a heartbeat and would highly recommend them.

My fiancé and I recently purchased our first home and The Niles Team made it an extremely straight forward process. They were there with us through each step of the way and were quick to clarify any questions we had. I would highly recommend working with them.

Ryan and Team were helpful throughout the entire process. They were available to answer questions (which is a big deal as a first time home buyer). Because of their hard work we were able to close on our home in less than 30 days. This providing our offer to present stronger than others. I would recommend the NILES team to anyone who wants a partner this complicated process to make things simple, or as simple as it can be!

As a real estate agent, I regularly recommend mortgage brokers to my clients. I want to exceed client expectations in all aspects of the transaction and the most important factors I look for in a broker are effective communication skills, expertise in all available financing options, and ability to close on time. I have worked with Ryan and his team for several years and they have consistently excelled on all fronts. They have never missed a closing and they are often able to close weeks sooner than any other mortgage lender. Their team assists me in providing a competitive edge in today’s market by providing quick closings and fully underwritten files, even before clients write an offer. Throughout the entire process, Ryan and his team keep me and my clients up to date on all aspects of the transaction. I have worked with Ryan and his team on numerous transactions and I highly recommend them for anyone looking to purchase in the Seattle area.

I worked with Ryan Niles and Adam Golden from the Niles Team on the purchase of my first home. My situation was complicated because I was purchasing the condo I was renting at the time. Ryan and Adam fielded countless questions and made the whole process really easy and straightforward. The team regularly reached out and made sure I knew exactly what was coming next. I highly recommend the The Niles Team and Cornerstone Home Lending.

Ryan and his entire team went above and beyond throughout our first home buying process. We were initially referred to Ryan by a friend who recently bought their first home. From our first interactions, Ryan and his team provided us a customized experience and thoroughly explained our options for our home loan based on how long we expected to hold onto our home and some of our other needs. Although we reached out after our offer was already accepted on the home, Ryan and his team were able to close earlier than the 30 day time window, which was very helpful for our moving timeline. Along the way, we received constant updates and I found their online portal to be extremely useful. Ryan was always a phone call or text away if we had any questions! We did reach out to other lenders and can confidently say that Ryan's team was the most insightful and gave us very fair loan terms and personalized experience! HIGHLY recommend!

I first met Ryan Niles at WA Homebuying Education Seminar held by WSHFC where he provided great information and tips. When looking at condos, I talked with Ryan to figure out exactly how much I could afford. They use great technology to show various financing options with realistic numbers that include more than just how much the mortgage payment will be. It included property taxes, HOA fees, closing costs and additional costs that homeownership entails. After signing an offer, I did look at other lenders, but The Niles Team offered competitive rates and a wealth of information, so I didn't switch. The Niles Team was very responsive throughout the process. They answered my many questions and helped me understand the various parculiarities of mortgages. The team was able to close on my condo in 25 days with time to spare. Since closing, The Niles Team provides various tools including a service to track the value/equity of your home and a home concierge service to help book professionals for home improvements/fixes/maintenance. I'm not sure how much I will use these tools but I think they'll be helpful to have around. I highly recommend The Niles Team!

Working with Ryan and his team went really smooth. This was my first ever mortgage and we didn’t have a single problem. I was using a different “preferred” lender at first, but that lender wasn’t able to close and Ryan’s team was. Not only that, their rates were better than the preferred lender as well. One of the things I really loved were the Total Cost Analysis Reports. I love being able to see differences in options, on my own time and as much as I want. Because sometimes things go past my head but with the reports I’m able to go back to Ryan’s explanation over and over again. I would definitely use these guys again.