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Sometimes people tell Ryan they do not have any credit at all after the downturn, which does pose a
problem. Fortunately, the situation is not hopeless.
Ryan’s response to them is, “Okay, that's a process. You can fix it. Not overnight. If you didn't get here
in three and a half days, it's not going to be getting cured in three and a half days.”
Regarding the asset testing part of the lending process, Ryan said, “If you need a down payment and
closing costs, we kind of need to know where the money's coming from. We could not do mattress
money in the gogo years, and we cannot do mattress money today. We still have to show where the
money is coming from, so that's really not a lot of change.”
To learn more about Michael Ryan, visit https://michaelryan.com/, email mike@michaelryan.com,
or call 4089861798. He offers complimentary 30minute consultations, which can be scheduled on
his website.