Ryan Smith
I offer personalized, transparent service and tailored solutions for a smooth, stress-free home financing experience.
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About
Ryan Smith
Welcome to LeaderOne Financial – Your ONE Home Loan Partner!
Whether you were referred by a trusted partner or found me online, I’m glad you’re here. My mission is simple: to make homeownership possible through trust, clear communication, and solutions tailored to your unique needs. I work closely with real estate agents, builders, and other industry professionals to guide you through the process with confidence.
With access to a wide range of loan programs—including Conventional, FHA, VA, USDA, Jumbo, Renovation, Construction, HELOCs, Down Payment Assistance, Reverse Mortgages, and more—I’ll help you find the right fit for your goals.
I’ve been immersed in the mortgage industry since 1990. After earning my degree in Finance and Economics from California State University, Sacramento, I jumped straight into lending and eventually founded my own mortgage brokerage firm. Over the years, I grew it into one of Northern California’s largest mortgage brokerages, leading a team of 120 employees across 11 states. Along the way, I earned my Real Estate Broker’s license and the prestigious Masters Club designation, sharpening my expertise in both real estate and lending. My deep understanding of the entire process—combined with extensive knowledge of construction—allows me to simplify even the most complex transactions.
Whether you’re planting new roots or planning for the future, you can count on me to stand by your side every step of the way.
Let’s connect and take the next steps toward your homeownership goals!
Your home loan journey, right from your phone
The LeaderOne App makes getting started simple. Begin your application, securely connect your income and employment information, and complete verification—all from your mobile device. Everything syncs seamlessly, giving you a clear path forward while your LeaderOne loan partner guides you each step of the way.
Your information is protected with industry-leading security, matched to the right loan options, and moved quickly from application to approval. No pressure. No obligation. Just a smarter, smoother way to move home.
How to Get Approved
Get a head start by securing your pre-approval. This step helps you understand how much you can borrow, giving you a clear picture of your budget and boosting your confidence when house hunting.
Now that you know your budget, it’s time to find the perfect home! Your real estate agent and our team will work together to ensure your dream home is within reach.
Once you’ve found the home, the next step is submitting your official loan application. We’ll guide you through providing all the necessary documentation to make this process as smooth as possible.
During underwriting, we carefully review your financial information and the property details. This ensures everything meets the required guidelines. Our team will keep you updated throughout the process.
Mortgage Calculator
Enter the total loan amount you want to borrow.
Download Your Homebuying Guide
Fill out this form to get instant access to your free homebuyer guide and start your journey to owning your dream home. Inside, you’ll find expert tips and simple steps to make the process easy and confident.
More About Us
Who we are
LeaderOne is built on the belief that homeownership should feel clear, supportive, and empowering, not overwhelming. For more than three decades, we have combined modern mortgage tools with genuine personal guidance to help families move forward with confidence. We listen closely, communicate transparently, and tailor every experience to the goals of the people we serve.
Our Values
At LeaderOne, we put People First while using Continuous Innovation to make the loan process faster and clearer. Through Empowered Collaboration and the Power to ACT, our teams work together to solve problems quickly and serve clients with confidence. Every interaction is guided by personal care, accountability, and doing what’s right.
Our Impact
At LeaderOne, every loan we close helps support families beyond our own. A portion of each transaction goes directly into the Lending a Hand Foundation, providing financial relief to families facing hardship, through assisting with rent and mortgage payments. Our giving culture also extends into the communities we serve through local outreach, volunteerism, and hands-on support.
