BASED IN NEWPORT BEACH
A home is personal.
Your mortgage
should be, too.
Clear numbers. Thoughtful guidance. A financing plan that makes sense for the life you’re building.
Buying your first home or planning your next chapter?
Let’s make the next step a little clearer.
TO A BIG DECISION.
Mortgage Loan Originator · NMLS #68409
1501 Westcliff Drive — Newport Beach, CA 92660
01 / YOUR NEXT CHAPTER
Where do you want to go?
Start with your goal.
We’ll work through the details together.
Buy a home.
Understand your payment, explore down payment options, and plan your next move.
Explore a purchase →02 ↗Rethink your loan.
See how a different rate or term changes the payment—and the longer-term picture.
Compare a refinance →03 ↗Plan what’s next.
Moving up, keeping a home, or exploring equity? Start with a conversation about your goals.
Talk through your options →02 / THE MORTGAGE STUDIO
Less guesswork.
More perspective.
A rate is only part of the story. Put two fixed-rate scenarios side by side and see what changes.
Make it your own
Compare two loans for the same home. Enter closing costs paid out of pocket, excluding down payment.
| The details | A | B |
|---|
—
Illustrations only; not an approval, rate quote, APR, or Loan Estimate. Fixed-rate, fully amortizing loans with monthly payments; no extra payments. Monthly totals include the amounts entered for taxes, insurance, HOA and mortgage insurance. These costs may change. Closing costs are assumed paid in cash; prepaids, escrow deposits, credits, and other cash-to-close items are not modeled. Five-year financing cost = interest paid over the first 60 months + entered closing costs; excludes principal and housing expenses. How to read a Loan Estimate ↗
LOCAL PERSPECTIVE.
A PERSONAL APPROACH.
03 / MEET RYAN
Good decisions start
with understanding.
Ryan Purpero is a Mortgage Loan Originator with U.S. Bank in Newport Beach, California. His U.S. Bank profile lists NMLS #68409 and the designation Private wealth mortgage banker.
Ryan helps homebuyers explore mortgage options for their circumstances. Start with a conversation about your home financing goals.
Visit my U.S. Bank profile ↗Also find Ryan on Zillow ↗ and LinkedIn ↗.
A SIMPLE PLACE TO START
Tell me what matters.
Your timeline, your priorities, and what a comfortable payment looks like.
See the whole picture.
Review financing scenarios and the documents needed for the next step.
Make an informed move.
When you’re ready, continue through U.S. Bank’s secure application process.
A LITTLE CLARITY
Good questions.
Straight answers.
Is the calculator a loan quote? +
No. It illustrates fixed-rate loan math using the numbers you enter. A personalized quote and Loan Estimate account for your situation, loan program, fees and current pricing.
Does the payment include taxes and insurance? +
The total includes the monthly taxes, home insurance, HOA and mortgage insurance you enter. Expand the monthly-cost fields to adjust them. These estimates can change over time.
How should I compare a refinance? +
Enter your current balance, current rate and remaining term as Option A, and the proposed loan as Option B. Compare the payment, closing costs and remaining balance together. A longer term may lower payments while increasing total interest.
Where do I send documents or apply? +
Use U.S. Bank’s secure application process or contact Ryan for instructions. This website does not accept documents, Social Security numbers, or loan applications.
YOUR NEXT STEP
Let’s put a plan
behind your next move.
You don’t need to have every answer.
That’s what the conversation is for.