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Robert Ryan
VP of Mortgage Lending

I am very excited to introduce Guaranteed Rate, Myself, and My Team. I have been in the mortgage business since graduating from the University at Albany with a degree in business in 2001. During this time I have served many clients in their pursuit of attaining the American Dream of home ownership. Being a husband and father of two children, I have a sincere appreciation of what having a home means. Obtaining a mortgage and buying a home can be a very stressful process for many folks and as such, myself and my team work extremely hard to make this process as seamless as possible. In doing this experience counts! I have over 22 years experience and my team collectively has approximately 60 years experience in this business serving our clients. Over these years we have successfully helped thousands of people from all different circumstances and wals of life, obtain financing and to attain that dream! We will look forward to meeting the needs of you and your family while also exceeding your expectations!

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Areas served
  • Clifton Park
  • Albany
  • New York
  • NY
  • Ticonderoga
  • Latham
  • Schenectady
  • Glens Falls
  • Saratoga
Services offered
  • mortgage
  • home Loans
  • real estate financing
  • loans
  • loan
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Today's rates

Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).

Product Assumptions:

Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.

Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.

FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.

VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.

These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.

One discount points equals one percent of your loan amount.

Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.