Highly recommend Ryan! He was recommended by a colleague and was very pleased with his service. He made my first time home buying process very smooth and stress free. The one on one contact calmed my nerves. He answered all our questions as they came up throughout the process. I would recommend him to any family or friend.
-Breanne R.

We've used Ryan now for two separate home purchases. He is extremely helpful and thorough. When we moved our closing up a week, he got it done no questions asked. I highly recommend using Ryan Urbach.
-Jay S.

Despite having a unique situation being self empoyed during COVID, and having increased requirements as a result, Ryan Urbach worked diligently to get my mortgage refi completed despite all the obstacles. Highly recommend Ryan Urbach.
-Ryan S

Ryan, is the best! We have had offers to work with different mortgage companies. But the trust we have with Ryan is awesome, he keeps you updated on the process, why things are going the way it is going. We have used him about three times, and we feel he would be a great help to any friend referral
Thank you!
-Marcus & Laura D

Ryan guided me through an exceptionally challenging home-buying process, starting with advice over 6 months prior to us landing a place. I spent a ton of Ryan's time asking questions and strategizing financial plans, and his patience is off the charts. Despite a wild seller's market and some tricky finance hurdles, Ryan got the job done fast and right, and I would recommend his services to EVERYONE. I'll be using Ryan if/when we ever move again.
-Jon V

"Ryan, Thank you for all your hard work in closing my recent refinance.  You made an otherwise stressful transaction run smoothly from start to finish. You and your team were extremely professional and proactively provided sound advice.  And for that, I'm greatly appreciative!
All the best, - Brad B"

I recently completed a home mortgage loan with Ryan Urbach and his great team. There were never any surprises; I was kept informed every step of the way. Ryan was awesome at explaining everything to me in such a way that even a layman like me could understand. Closing costs came in under what I was quoted, but so close, that it was obvious that Ryan knew exactly what the amounts would be. The team was excellent at meeting all deadlines and usually ahead of schedule.   Both the selling and the buying realtors were extremely pleased with the efficiency shown by Ryan and his team and would like to recommend him to other clients who do not already have their financing in place.
I would highly recommend Ryan and his team to anyone considering a loan. It was a great pleasure to work with someone who not only was efficient but also made the process fun.Regards,
Janey Joslin
Grand Junction, CO

Ryan and his mortgage team exceeded my expectations at every turn.  Not only were we kept very informed of the status of our loan, Ryan went above and beyond to make sure the process was on track and it was moving efficiently.  Ryan listened to our needs and presented us with multiple options for us to choose from.  Ryan and his team worked tirelessly to provide us with the best option that met our goals.
Ryan also worked around our schedule and was very flexible with meeting times and locations.  As a parent of an 18 month old, this was greatly appreciated.  I would highly recommend Ryan Urbach and his mortgage team to anyone looking for a new loan or to refinance their existing home.

Jeremy Gacnik
Highlands Ranch, CO

I would like to take a minute to express my most sincere appreciation for Ryan Urbach, and his hard work and dedication to processing and approving my loan. I recently purchased a condo in Aurora. The home buying process was very new to me, as this was my first time being a homeowner. I was referred to Mr. Urbach by my realtor, Mark Kinslow II. Mr. Urbach and I scheduled an introductory meeting to introduce ourselves, and to go over the basic procedures of buying a home. After our meeting, I was extremely impressed. Mr. Urbach put together a PowerPoint presentation that listed from start to finish how the loan process worked, and explained what to expect during each stage of the process. I left Mr. Urbach’s office that day with a wealth of knowledge. Mr. Urbach is highly professionally in the work that he does. All of my questions and concerns were answered, and never did I feel uncomfortable in asking.    In order for me to have a better understanding of how much of a house I could afford, I requested that Mr. Urbach send me several estimates. I gave Mr. Urbach the price range of what I was searching for, and requested estimates of a 30-year mortgage versus a 15-year mortgage. Mr. Urbach was able to provide me the information requested that evening, and even spent time with me and my family to go over the figures. I am very satisfied with choosing Hallmark Home Mortgageoration as my lender. I would recommend Mr. Urbach to anyone who is in the process of purchasing a new home. I greatly appreciate your time and effort, Ryan. You made the biggest purchase of my life so far extremely easy! Thanks a million.
Aurora, CO