The Mortgage Professor
We help homeowners & homebuyers make wise financial decisions.
Education first. No hype, no rate quotes, no pressure. Just clear guidance from a lender who believes an informed borrower makes better decisions.
The Mortgage Professor
Education first. No hype, no rate quotes, no pressure. Just clear guidance from a lender who believes an informed borrower makes better decisions.
Navigate lending's uncertainties with confidence
Every interaction is grounded in three commitments that shape how I work with every client, every time.
Honesty and clarity at every step. Nothing is hidden, nothing is assumed. You know exactly where your loan stands and why.
You hear from me before you need to ask. Updates are delivered with clear direction and no surprises at the closing table.
At the start of every transaction, we audit your expectations together — then structure the process to surpass them.
We listen before we advise. Your goals, timeline, and financial situation shape every recommendation we make.
No two borrowers are the same. We design loan structures around your specific circumstances, not a one-size approach.
Your experience shapes how we improve. We actively seek feedback at every stage to make the next transaction better.
Our methodical process ensures consistency and quality at every stage — from pre-approval through closing.
We refine our process after every transaction. Smoother communication today than we had six months ago.
Analytics and real-time data guide loan structuring, ensuring you close on time with the expectations you came in with.
About Ryan
Ryan Skaggs is a nationally recognized mortgage lender known for his expertise in residential financing. Based on the North Shore of Chicago, he primarily serves clients across Chicagoland and is licensed to assist borrowers across 46 states.
His approach is grounded in patience, clear communication, and a deep belief that informed clients make better financial decisions. That philosophy was shaped by his mother, who dedicated nearly 40 years to special education — teaching him that the best help you can give someone is the knowledge to help themselves.
Ryan structures every loan with long-term strategy in mind, not just the transaction in front of him. He is the Producing Branch Manager at New American Funding and an active member of the NSBAR Young Professionals Network.
Ryan Skaggs · NMLS #425763 · Producing Branch Manager, New American Funding
Learn before you borrow
Plain-language education on the topics that matter most to buyers and owners. No jargon, no sales pitch.
What "clear to close" actually means, what happens in the final days of your transaction, and how to prepare for closing day.
Watch the videoPractical strategies for accelerating your payoff timeline — and how to evaluate whether they make sense for your financial picture.
Watch the videoWhile I encourage people to save 100% down for a home, a mortgage is the one debt that I don't frown upon.— Dave Ramsey