About Ryan Lugbauer

Ryan Lugbauer and Pro Mortgage have been in business for 25 years, specializing in home purchases and complex scenarios. They offer a variety of financing options, including jumbo money, multiple family, reverse mortgages, jumbo refinance cash out, DSCR, bank statement, no income loans, VA, FHA, conventional, 1099 loans, private money, and more. Their team has strong relationships with top financial institutions and small niche lenders, providing a range of in-and-out-of-the-box financing options. Clients describe their experience as incredible, with Ryan and his assistant Jada providing white-glove service and competitive rates. They are lauded as an exceptional team, easy to work with, very communicative, and well-informed, making the house buying process smooth, stress-free, and easy with minimal headaches. Ryan is a top-notch professional who guides clients through every step, closes at record speed with no hassle, and makes himself available for questions or short notice requests. He takes time to educate clients, helping them understand nuances, and they both go above and beyond to get clients into a home.

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Reviews for Ryan Lugbauer

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  • Feb 2026

    We had an amazing experience working with Ryan and his assistant, Jada, on our mortgage. As first-time homebuyers, we had a lot of questions, and they were there for us every step of the way, patiently explaining the process and working tirelessly to find the best solutions for our situation.

    They were incredibly responsive, proactive, and transparent throughout, which gave us so much peace of mind. Even after everything was finalized, they continued to support us by helping with next steps and clarifying potential scams (which, as first-time buyers, was extremely valuable).

    We truly felt taken care of from start to finish and can’t recommend Ryan and...read full review

  • Oct 2025

    I cannot thank Ryan, Jada and the whole team enough for their guidance and support buying our first home! Buying a home is always a hectic time but we always felt Ryan and Jada had our best interests in mind. Ryan and Jada always followed up to see how we were doing and always explained each step of the process which made everything go smoothly. It was a wonderful experience to work with this team and highly recommend them.

  • May 2025

    Ryan and Jada helped me to refinance and set up my mortgage loan in less than a month. They worked extremely quickly, were very professional, went above and beyond to find me the best deal given my unique circumstances: I had taken time off work, and had originally purchased my home in cash. I would recommend them to anyone who is looking for a team with good connections, high communication, and sincere care to help you achieve your financial goals.

Hours

Monday: 9AM - 7PM
Tuesday: 10AM - 7PM
Wednesday: 10AM - 7PM
Thursday: 10AM - 7PM
Friday: 10AM - 7PM
Saturday: 10AM - 3PM
Sunday: Closed

Tips

accepts credit cards latinx-owned lgbtq-owned women-owned veteran-owned open to all ev charging station available verified license

Location

538 4th St, San Rafael

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