About Ryan
Utah Mortgage Refinance Specialist | Hard Money Lender | Creative Deal Strategist
Straight answers on whether refinancing helps.
I'm Ryan Davies, and I answer 801-205-1635 myself. RefiRyan is for refinance questions — rate-and-term, cash-out, balloons, investment and commercial files, and getting out of short-term debt when it needs a permanent home. Investor and business-purpose hard money / bridge details live on the Hard Money page. Buying with a standard mortgage? That lives on the Buying a House page.
Background
15+ years in real estate and lending
I started as an investor, then became a broker. Most weak outcomes come from the wrong loan for the situation — not just the wrong rate.
I have spent 15+ years buying, refinancing, and exiting real estate deals. That is why I look at downside and exit first, then product names.
Through RefiRyan I help people decide whether to refinance, bridge, wait, or sell — then execute when it actually fits. That includes investor and business-purpose hard money when short-term capital is the right tool.
If something does not make sense financially, I will say so. No pressure to force a loan.
Focus
What I work on
- Residential and commercial refinances
- Balloon, seller-note, and payoff timing
- Investor / business-purpose hard money and bridge
- Investment / DSCR and exit planning after rehab or bridge debt
Browse refinance situations for common scenarios.
- NMLS
- #1895732
- Company
- Creative Housing Solutions / Ultimate Home Lending (NMLS #2259749)
- Real estate
- Eleven11 Real Estate · 11136477-AB00
- Based in
- Draper, Utah
- Reviews
- 45+ five-star Google reviews
- Direct line
- 801-205-1635
Google reviews
What people say
- Posted on Google
“You can't do any better than refi Ryan so we would highly recommend him; we used him both times we've refinanced and we plan on going with him and his team again next time around for all our real estate needs. Thanks Ryan you're the best!!!!”
Steve and Judy Burnett
- Posted on Google
“Working with Ryan as an agent and lender have been a great experience. Ryan is knowledgeable in both fields and will walk you through the entire process. He is patient, professional, and trustworthy, with a great personality.”
Julie Law
- Posted on Google
“Ryan with Creative Housing Solutions has worked with us on a few different occasions on both real estate transactions and financing. He's very professional and has gone out of his way to answer any questions we have had along the way, and helped us with the best solutions. Highly recommend.”
Candace Bascom
- Posted on Google
“Ryan is great! He's smart, knows his stuff, and works hard to make sure everything is done correctly and goes as smoothly as possible! These industries and market are tough—so you definitely want someone who has knowledge, experience, and integrity!”
Marie Fisher