An experienced & trusted mortgage team

Real numbers, before you commit.

The Ryan Broughton Team helps buyers, homeowners, and investors across six states finance the right way — whether that's a conventional loan or a non-QM strategy built around how you actually earn.

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20+
Years lending
6
States licensed
10-day
Closings possible
Ryan Broughton
Client rating
4.9/5
★★★★★
From verified closed clients
Years lending
20+
States licensed
6
Reviews collected on Experience.com, Zillow, and Google from verified closed clients.
Why work with us

Advice first. The loan follows.

A mortgage is the biggest line on your budget. We treat it like part of your financial plan — not a transaction to rush through.

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Loan programs

QM or non-QM — we'll tell you which fits.

Standard qualified mortgages for W-2 borrowers. Non-QM programs for the self-employed, investors, and everyone the big banks turn away.

Qualified mortgages

The standard path

Conventional, FHA, VA, jumbo, and ARM programs — for borrowers who qualify on tax returns and W-2 income. Usually the lowest rate if you fit the box.

See QM programs →
Non-QM specialists

When you don't fit the box

Bank statement loans, DSCR investor loans, asset depletion, ITIN, foreign national, bridge financing, and more. Real programs for how you actually earn.

See non-QM programs →
Payment calculator

Here's what your payment actually looks like.

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Principal & interest only (estimate). Excludes taxes, insurance, HOA. Not a loan offer.
How it works

Five steps. No phone tag.

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Client reviews

Trusted for the fourth, fifth, sixth home.

★★★★★

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Reviews collected on Experience.com from verified closed clients.

Locked your rate yet? Let's run the math.

Get a real quote in minutes — or start the full application whenever you're ready.
Loan programs

Every path to the same front door.

Most lenders offer one box. We offer two full menus — qualified mortgages for standard scenarios, and non-QM programs when your income doesn't fit a W-2. We'll tell you honestly which one prices better for you.

Qualified mortgages (QM)

Documented income, standard underwriting, usually the lowest rates. If you qualify here, this is where you should be.

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Non-QM

Non-QM programs

Self-employed? Investor? Paid in ways a W-2 can't describe? These programs qualify you on the income you actually have — bank deposits, rental cash flow, or assets.

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Not sure which program fits?

That's the whole point of talking to us first. One conversation, real numbers, no obligation.
Market insights · {{ ratesAsOf }}

Data > drama.

What the market is actually doing, what the forecasters expect, and what it means for your next move. Updated as conditions change.

Get the full market update →
30-year fixed
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15-year fixed
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5/1 ARM
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Bankrate national average APR
Southern California markets

Orange County, Los Angeles & San Diego at a glance

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Sources: Redfin, Zillow, Realtor.com county data, local MLS reports — June/July 2026. Figures are market medians, not appraisals.

Where rates are headed

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Data sources
Primary rate source — Mortgage News Daily daily rate index (30-yr & 15-yr, top-tier lender pricing, updated every weekday)
Cross-checked against — Freddie Mac PMMS (weekly) and Optimal Blue Mortgage Market Indices, to confirm MND isn't an outlier
5/1 ARM — Bankrate national average APR (daily survey)
Southern California market data — Redfin Data Center, Zillow Research, Realtor.com Research & local MLS reports
Full market update — marketupdate.thebroughtonteam.com (same sources, same numbers)

All figures as of the week ending October 22, 2026. Forecasts are opinions, not guarantees. Market commentary is educational and not a loan offer.

Buyers

The market isn't waiting for perfect.

Rates have settled into the mid-6s and forecasters expect them to drift — not dive — through 2027. Inventory across Southern California is back to healthy levels, which means more choice and more negotiating room than buyers have had in years. If the payment works today, waiting for a rate that may never come is the expensive strategy. And if rates do fall meaningfully? We refinance you.

Homeowners

"Rate rich, budget tight"? Run the math.

A lot of homeowners are sitting on a great first-mortgage rate but carrying expensive consumer debt. Sometimes the right move is keeping that rate and using a second lien or HELOC; sometimes a cash-out refinance wins overall. Refinancing isn't always the right call — we'll tell you when it isn't.

Want these numbers for your scenario?

A real quote takes about 3 minutes. No phone tag.

Get my numbers
Buyer's guide

Do's & don'ts between pre-approval and closing.

Underwriting re-checks your credit and finances right before closing. These rules keep your approval safe from day one to keys-in-hand.

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Do

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✕

Don't

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Already did one of the don'ts?

Don't panic — call us before you do anything else. Most of these are fixable if we know early.

Talk to the team
About

Meet Ryan Broughton.

Ryan is a Branch Manager and Senior Loan Advisor with NEO Home Loans, powered by Better — and has spent more than two decades helping families and investors finance homes the right way. Based in Southern California, he leads a team that has guided thousands of purchases and refinances, from first homes to complex non-QM investor portfolios.

Clients come back for their second, fourth, sixth home for the same reason: real numbers, straight answers, and a team that picks up the phone. We say "we" for a reason — there's a full support team behind every file.

NMLS #387870 Branch Manager 20+ years in lending CA DRE #01904295
Ryan Broughton
Licensed in six states

Wherever you're buying, we're likely licensed there.

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All states under NMLS #387870. Verify licensing at nmlsconsumeraccess.org.

Powered by Better

Boutique advice. Institutional technology.

NEO Home Loans is powered by Better — which means your file moves on one of the fastest digital mortgage platforms in the country, while your advice comes from a local team that knows your name. Apply online in minutes, upload documents once, and track everything in one place.

Start your application
Contact

Let's run your numbers.

Call, write, or send the form — we respond fast, and you'll always talk to a person on this team.

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Got it. We'll be in touch.

Expect a call or email from the team within one business day — usually sooner.

Tell us what you're working on

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By submitting, you agree to be contacted about your inquiry. No spam, no lists, no obligation.
What clients say

Reviews from around the web

Experience.com → Zillow → Google →
★★★★★
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Verified client reviews from Experience.com, Zillow, and Google. Hover to pause.