I am very excited to introduce Guaranteed Rate, Myself, and My Team. I have been in the mortgage business since graduating from the University at Albany with a degree in business in 2001. During this time I have served many clients in their pursuit of attaining the American Dream of home ownership. Being a husband and father of two children, I have a sincere appreciation of what having a home means. Obtaining a mortgage and buying a home can be a very stressful process for many folks and as such, myself and my team work extremely hard to make this process as seamless as possible. In doing this experience counts! I have over 22 years experience and my team collectively has approximately 60 years experience in this business serving our clients. Over these years we have successfully helped thousands of people from all different circumstances and wals of life, obtain financing and to attain that dream! We will look forward to meeting the needs of you and your family while also exceeding your expectations!

Branch Manager

Robert Ryan is your Clifton Park local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Robert is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Robert at (518) 557-1370 for more information!

Robert Ryan at Guaranteed Rate (NMLS #66014)

Buying a home is fun and exciting! And you want your financing to be a smooth ride too. But how do you choose the right mortgage professional? Follow my 5 W's!


* WHO? 30 years of experience allows me to successfully navigate the twists and turns of the market and lending policies. I have experience in markets where rates are rising as well as falling which is important in guiding you on your home journey. Besides financial advisor, I am sometimes marriage counselor, life coach or economic guru. I see my clients through life's milestones as they start out, grow a family, buy a vacation home, finance college, seek a larger place or downsize. Referrals by my clients are the backbone of my business.
* WHAT? Purchase or refinance, I have plenty of loan programs available to fit you and your unique situation. I understand the intricacies of condos and co\-ops and the up\-front due diligence needed. Strong relationships with my lenders let me advocate for you and provide the best rates and options. Whether condo, co\-op, or castle, I am there for you from day one until we celebrate your closing.
* WHEN? The best time to speak with me is the moment that you think you may want to buy a new home or refinance. Whether just starting to think about looking, to making a bid or in contract, call me to discuss your transaction\- the details, timeline and loan programs you are interested in. Not sure which loan is best for you? Let's analyze your situation and find out today.
* WHERE? I specialize in NY, NJ, CT, CA, FL, MA, MI and NH and, through my colleagues, can work to assist you with transactions in 48 states. Co\-op, condo, multi\-family or vacation homes are no problem\-I have the right loan program for you.
* WHY? The mortgage on your home is life's biggest monetary venture. Let me take on the myriad of hurdles so you can actually enjoy the process!


Call or email me to begin. I will explain the process in detail and discuss the steps we will take to meet your timeline and close your deal. I look forward to hearing from you today. Born and raised in Michigan, I attended the University of Michigan and am a proud Delta Gamma alumna. I am an active member of the Planning Commission in my town, as well as a mom. My family loves Bernese Mountain dogs and divides our time between NYC and Vermont.

Loan Officer

Michelle Chmelar is your Clifton Park local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Michelle is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Michelle at (212) 318-9464 for more information!

Michelle Chmelar at Guaranteed Rate (NMLS #65372)

Clifton Park

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2 Loan Officers in Clifton Park, NY