Smarter Home Financing — Backed by Local Expertise
Mortgage solutions for every stage of life — with low rates, fast approvals, and real answers. Proudly serving California homeowners and first-time buyers.
Have Questions About Your Loan Options?
Call or text us anytime!
No call centers. No pressure. Just clear answers.
About
Ryan Stamps
Sr. Mortgage Planner
Omni-Fund, Inc
I’m Ryan Stamps — a Senior Mortgage Planner, reverse mortgage specialist, and lifelong Southern California local. With over 20 years in home finance and real estate, I’ve helped families from all walks of life find the right loan solution — whether that’s buying your first home, refinancing, or planning for retirement. My mission is simple: make the process easy, stress-free, and tailored to you.
Loan Programs
Flexible Financing Options for Every Stage of Life
01.
FHA Loans
Low down payment options for first-time buyers — even with 500+ credit or no credit score.
03.
Reverse Mortgages
Eliminate monthly mortgage payments and access home equity — designed for 62+ homeowners.
04.
DSCR Loans
No job or income verification. Qualify using rental income — perfect for investors and Airbnb properties.
05.
Bank Statement Loans
No tax returns needed. Ideal for self-employed borrowers or business owners.
06.
Down Payment Assistance
Includes the $13,000 FHA grant + solar tax credit — no second loans or shared equity.
New Exclusive Program Announcement! $13,000 Down Payment Grant + 30% Solar Tax Credit
Get 3.5% of the sales price of your new home purchase (up to $13,000) as a grant — with no repayment. Roll in the cost of going solar, upgrading your roof, electrical panel, or EV charger — without increasing your down payment. Plus, you may qualify for a 30% federal solar tax credit, which could mean thousands more back when you file your taxes.*
*Always consult your tax advisor to confirm eligibility.
Why Clients Choose Me
- Over 100 lender programs — better rates and more flexibility
- Specializing in Reverse Mortgages, First-Time Buyers, and Self-Employed
- Clear, honest guidance — no surprises at closing
- Available by call, text, or Zoom — no phone trees or bots
- Over 20+ years lending expertise
- No strict underwriting overlays, no gimmicks — just smart solutions that work
What My Clients Are Saying
⭐️⭐️⭐️⭐️⭐️
“Ryan helped me so much… not only me but my daughter and son also. He is reliable and so honest. He went above and beyond. Thank you Mr. Stamps!!”
Cindy m., Torrance, CA
⭐️⭐️⭐️⭐️⭐️
“I have worked with Ryan for over 10 years and have done multiple mortgage transactions over that time period. Ryan is always timely, minimizes the hassle factor by helping to complete applications, and always has the best rates. I recommend him highly.”
Khaliq S., Rossmoor, CA
⭐️⭐️⭐️⭐️⭐️
“Ryan is awesome. I was a first-time home buyer with him and he walked me through every step of the way. We refinanced with him too and he’s always been helpful and honest.
Irene C., Fontana, CA.
What My Clients Are Saying
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