"Ryan took the time to explain every step, making sure I understood all my options. His responsiveness was great! No question too small, and he always circled back quickly. It was clear that he truly cared about my financial well-being and was dedicated to making the process as smooth as possible. Thanks again!"

"Ryan and his team are top notch professionals. As new first time home buyers Ryan and his team explained all the things we needed to do to get our mortgage. They answered all of our questions and was available even after closing hours. Great experience and would highly recommend him and his team to anyone else purchasing a home and needing a loan. Thanks Ryan, you Rock!"

"Ryan and David were fantastic to work with -- they really know their stuff and it shows. It's been eye-opening to talk with my friends about buying in this market. They can't imagine being able to afford it, but with the right financial strategy, we could. So grateful that it worked out. "

"Ryan has been doing this a long time and it shows. He offers multiple different strategies depending on market conditions, walks you through the pros and cons of each and then gives you his recommendation. He answers any questions and works around your schedule. Couldn’t ask for a better lender ."

"Ryan and team helped make it possible for us to close on our house in two weeks. They helped us understand what the process was like and as a first time home buyer I would highly recommend them."

"I first met Ryan during a weekend first-time home buyers class my wife and I took via Zoom. After that call we knew we needed to use Ryan as our lender. My profession is Financial Planning and I wanted to work with someone who was creative and strategic to help find a solution to put us in position to be competitive. Ryan checked all those boxes and we were able to buy a great home in our ideal neighborhood. We closed on our loan within 1-month of meeting Ryan! Yes, that includes the time it took to get pre-approved, find our home, have our offer accepted and go through underwriting. Impeccable speed. I will be using Ryan for all of our lending in the future and have already referred him business."

"I am so pleased to write Ryan and the Niles Team a review for the second time. We cannot say enough positive things about Ryan and his terrific team. This is our second house we have financed through the Niles Team, and we have been extremely pleased both times. Ryan is kind, patient with our questions, and available to help on the weekends! He is always gracious with his time and never made us feel like our time wasn’t valued. We always trust Ryan’s judgment about the housing market, and mortgage rates. Knowing that we are not the experts, it was such a relief to have someone who truly had our back and was looking out for our best interest. Buying a house is a personal, and Ryan understand that. He treated us with respect and was always so professional! We could not recommend Ryan and his team more. Thank you Ryan for exceptional service, wish you all the best! "

"When we were purchasing our dream home, we were up against competing offers. Part of the reason our offer was chosen, even though we didn’t have the highest monetary offer, was due to Ryan and his team’s credibility and their ability to close quickly. Ryan walked us through the best mortgage strategy for our situation, pre-approved is and put us in the best position to be successful. Even with delays in the process, Ryan’s team was able to rush order the appraisal and close in 20 days as promised. I am impressed! This is the second time I’ve worked with Ryan and Cornerstone and I would do it again. "

"My wife and I first heard of Ryan Jesse Niles and his colleagues through a first-time homebuyers class we took last year. We were impressed by their knowledge of the market and how they explained the lending side of the process to us. We debated between using an online lender and their company, Cornerstone, but ultimately chose Cornerstone and we are so glad we did! In such a competitive market, it was essential to have a local, well-respected lender who could close quickly. In our home buying process, Ryan's team did an excellent job of answering our questions, calming our fears and he also worked seamlessly with our realtor. We felt at all times that Cornerstone really worked as a team. A couple of times that our Mortgage Advisor was traveling, he still promptly responded to our questions and had his colleague checking in with us and following up when necessary. When we needed updated information, like our approval letter or their tool to show you their customized loan strategies and the different options available, both of them were fast to provide the information and give input. Their closing team was also very good at keeping us informed and guiding us through the process. They were all very patient and clear and detailed in the information they provided. We're very grateful we could make such a big investment supported by such a professional team.  We can also confidently say that a big reason we won the offer on our home (there were 15 other offers reviewed) is because Cornerstone did all of the underwriting up front which enabled us to waive the finance contingency and come to the table with the ability to close in 10 business days! We are almost positive we would have lost the offer on our house if we would have gone with an online lender or a bank. We are very grateful for Ryan Jesse Niles and his team and would highly recommend them!"