About My Business:
Success to me is overcoming challenges while realizing that failures are an important education. I am Ryan Holford, and from the earliest of my memories, my character was that of a driven, confident, and determined individual who strives to constantly improve. While many find contentment in life, I seek more and enjoy the milestones at the end journey. As a life long California native, born in San Diego and residing most of my life in the San Francisco Bay Area, I’m blessed to live where I play and make the best use of the ocean, rivers, lakes, and mountains. I work hard in the office so I can enjoy the outdoors with my family.
My career in the Mortgage Industry began in 1999 working for Irwin Union Bank originating second mortgages. I took a huge risk giving up a great paying tradesman job with union benefits to take on a commissioned role. Within 10 days of starting, I had a life changing event. While snowboarding I made a near fatal miscalculation in which my femur shattered my hip socket resulting in an emergency helicopter ride to UC Davis where I underwent reconstructive surgery. After two weeks in the hospital and a month in bed, I went to the bank and realized I only had $41.20 to my name. Against Doctor’s orders, I returned to work 25 lbs lighter in a wheel chair and with a new outlook quickly becoming the number one sales person and have never looked back. I still carry my ATM receipt in my wallet to remind me where I where I have been and how I got to where I am today.
For more than a decade as a Mortgage Professional, I’ve worked with literally thousands of homeowners and relate the hard working families and the financial struggles they go through. My true talents extend far beyond rates, and focus on creating solutions and custom plans that address more than just a financial statement. By focusing on the relationships with people and understanding the true motivations, I’m able to often find creative solutions and love the challenge of doing what everyone else says is impossible. My dedication to my clients has resulted in a referral based business fueled by client loyalty and appreciation. Over the years, I progressed into the brokerage side of the business and then opened my own company. When the market began to crash, I evaluated the expenses associated with keeping my company open and realized the best financial decision was to move to CMG Mortgage where I’m happy to say I’ll be with for the remainder of my career. I’ve found the ultimate balance in life and I’m able to focus equally on my clients, my family, and my health. I have a beautiful wife and two children. Now my motivations are driven by selflessness to provide for my family and I have ultimate gratitude for the fact that life seems to have its own way of working out.