Refinance with a real person, not a call center.
I'm Ryan Davies, a Utah Mortgage Refinance Specialist. Whether you're looking at a better rate, a lower payment, cash from equity, a life change, or a loan coming due — I'm happy to look at your situation with you and help you see if refinancing is the right move.
Ryan Davies · NMLS #1895732 · 801-205-1635
Utah Mortgage Refinance Specialist | Hard Money Lender | Creative Deal Strategist
- 45+ five-star Google reviewsShown below on this site
- Licensed · NMLS #1895732Mortgage broker
- Same-day response goalText is usually fastest
Why refinance?
Common refinance scenarios
Rate, cash-out, balloons, hard-money exits, rentals, and commercial files. Start with your situation — not a product pitch.
Balloon & payoff timing
Map refinance, bridge, extension, or sale before the maturity date forces a bad decision.
Rate & term
Replace the current loan without taking cash out — when monthly savings beat closing costs on your timeline.
Cash-out
Pull equity for a remodel, reserves, or debt consolidation — weighed against keeping your current rate.
Hard money exit
Short-term capital gets expensive if it drags. Plan the refinance or sale exit before extension costs stack up.
How it works
Four steps, one person the whole way
The person you text on day one is the person who stays with the file.
- Step 1
Text, call, or take the quiz
Share the goal and rough numbers. Rate, balance, timing, and what you want to accomplish are enough to start.
- Step 2
Clear next step
I review costs, break-even, and downside — and tell you if refinancing, bridging, waiting, or selling is cleaner.
- Step 3
Compare real options
As a broker, I can shop lenders and lay options side by side when a loan is the right move.
- Step 4
Execute when it fits
Paperwork, appraisal coordination, and lender follow-up — with updates through closing.
Why RefiRyan
I check whether refinancing actually helps before you commit.
My job is to show you the real math. Sometimes that means refinancing today. Sometimes it means waiting, bridging, or selling. Either way, you will know why.
Refinance is the focus
This site is built for refinance questions. I check whether a refinance (or exiting short-term debt) actually improves your position.
Broker + investor lens
Multiple lender paths when they fit — plus the downside view that comes from structuring deals for years, not just quoting rates.
Honest about “not yet”
If waiting, bridging, or selling is cleaner than refinancing, you will hear that before paperwork starts.
Direct access
15+ years in real estate and lending. Text or call 801-205-1635 — I reply myself.
Google reviews
What people say
45+ five-star Google reviews. A few are below.
“You can't do any better than refi Ryan so we would highly recommend him; we used him both times we've refinanced and we plan on going with him and his team again next time around for all our real estate needs. Thanks Ryan you're the best!!!!”
“Working with Ryan as an agent and lender have been a great experience. Ryan is knowledgeable in both fields and will walk you through the entire process. He is patient, professional, and trustworthy, with a great personality.”
“Ryan with Creative Housing Solutions has worked with us on a few different occasions on both real estate transactions and financing. He's very professional and has gone out of his way to answer any questions we have had along the way, and helped us with the best solutions. Highly recommend.”
“Ryan is great! He's smart, knows his stuff, and works hard to make sure everything is done correctly and goes as smoothly as possible! These industries and market are tough—so you definitely want someone who has knowledge, experience, and integrity!”
“Two things reign supreme with Ryan. Firstly, he gets the job done... I honestly don't know how he does it, but he's helped several of my clients get their loan approved when nobody else could. Secondly, Ryan is the king of follow-up... and he does it in a soft, yet bold way without being obnoxious like so many others.”
“Ryan is tops at helping people with Real Estate needs from buying and selling to mortgage help and R/E investing! He really cares about people and getting them the very best deals!!!”
60-second Refinance Quiz
Does a refinance make sense for your situation?
Take my 60-second Refinance Quiz. I get your answers and follow up personally.
FAQ
Common questions
Don't see yours? Text it to me.
Buying instead of refinancing? See Buying a House.
How do I know if refinancing is worth it?
It comes down to break-even: months of savings vs closing costs, how long you will keep the loan, and whether waiting, bridging, or selling is cleaner. I run that before you commit.
Will reaching out affect my credit?
No. The first conversation is numbers and goals. A credit check only happens if you decide to move forward with an application, and you will be told before it does.
What kinds of refinances do you help with?
Rate-and-term, cash-out, balloon and seller-note payoffs, HELOC or ARM resets, investment and rental (including DSCR when it fits), commercial when the file fits, and exits from hard money or other short-term loans.
Do you offer hard money?
Yes — hard money and bridge lending for investors and business-purpose deals only (not owner-occupied consumer loans). Details are on the Hard Money page. Refinance planning stays the main focus of this site.
Do you offer loans to purchase a house?
Yes. Refinance is the main focus of this site, but I can help with purchase mortgages — details are on the Buying a House page. Investor / business-purpose hard money is on the Hard Money page.
How long does a refinance take?
Timelines vary with appraisal scheduling and lender turn times. I will give you a realistic estimate for your loan and keep you updated.
What does it cost to talk?
Nothing to start. The review and Refinance Quiz are free. If you move forward, loan costs are disclosed in writing on your Loan Estimate before you proceed.