Ryan is a seasoned mortgage lender with 20+ years of experience and an MBA in finance and accounting. He specializes in helping clients navigate first-time home purchases, refinances, construction and land loans, equity lines, and FHA/VA financing, delivering practical solutions with a strong focus on execution and results.
I have been in banking and mortgage for 10+ years. I was a top underwriter and then a top loan officer in this country. My time I have spent working through many situations has taught me how to deliver top notch service and results for my agents and clients!
Originally from Myrtle Beach, South Carolina, I proudly served four years in the U.S. Navy as a Boatswain’s Mate stationed in Japan. That experience instilled in me the values of discipline, integrity, and commitment — qualities I now bring to every client interaction in the mortgage industry.
As a licensed Loan Officer, I’m passionate about helping individuals and families navigate one of the most important financial decisions of their lives. Whether you’re a first-time homebuyer, refinancing, or investing in property, my goal is to make the loan process smooth, transparent, and stress-free.
I’m excited to bring my military-honed work ethic and dedication to service into this new chapter, and I look forward to building strong, lasting relationships with my clients and team.
Let’s work together to make your homeownership goals a reality!
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!
About Me
Despite the challenges of the economy, you can buy a home right now. You just need the guidance of a top Loan Officer. I have helped countless people achieve their dreams of homeownership. I’ll answer all your questions and outline all your options—empowering you as a buyer, while finding you your perfect loan. Whether you’re a first-time homebuyer, refinancing your current home, buying a second property or investment, it is important to keep in mind that while this may feel like a strenuous process, I am here to guide you into a smooth, and stress-free experience.
I am a Florida Native, when I am not helping my clients achieve their homeownership goals I enjoy off-roading in Jeeps, ATVS and UTVS, attending car shows and being in the water with my husband and son – anything that allows me to spend time with my family.
With 15 years in the financial services industry, it is important to me to develop a trustworthy relationship with my clients. I believe my attention to detail, strong communication skills and knowledge in lending helps me assist my clients with their mortgage needs and fit them to the right program to help them achieve their financial goals. I will always work diligently to ensure the home buying process is as smooth as possible and I am happy to answer any questions along the way, all of which allows me to provide the best service and expertise that clients deserve. My team and I are always available and happy to help. Now more than ever, you need the best!
Garrett O’Brien is the Vice President of Mortgage Lending at Bayshore Mortgage, with 19 years of extensive experience in the mortgage industry. Known for his dedication to client success, Garrett has consistently guided borrowers through the complexities of mortgage lending, ensuring they receive tailored advice and superior service.
Beyond his professional achievements, Garrett is an avid sports enthusiast and a passionate community advocate. He actively supports veterans, firefighters, teachers, and all first responders through his involvement with Homes for Heroes, a nonprofit organization dedicated to assisting these essential community members. Garrett also plays a key role in organizing events and community service projects for first responders, demonstrating his commitment to giving back and making a positive impact. His blend of professional expertise and community dedication makes him a distinguished leader in the mortgage industry.
Here to Help with all Your Mortgage Needs! I’m a phone call away. Reach via Phone, Email, or Apply Directly through My Site. Apply Now!