Ryan Grubbs Team

Senior Mortgage Loan Officer
Personal NMLS: 191548
Branch NMLS: 1976222
Company NMLS: 3029
Equal Housing Opportunity

[Ryan Grubbs Team @RyanGrubbsTeam]

Best of Denton County Voting is OPEN!
1. Go to https://t.co/Xc8IobcPK6
2. Click 2026 Categories List
3. Scroll to Financial, Insurance, & Real Estate Services
4. Find: Best Mortgage Company – Cross Country Mortgage Ryan Grubbs
One week left! Get your vote in and spread the word!

[Ryan Grubbs Team @RyanGrubbsTeam]

First-time buyers are putting more money down than they have in decades. Multiple factors might be driving that trend, but one thing is for sure: we should be talking more about down payment planning, low down payment loan options and assistance programs.

[Ryan Grubbs Team @RyanGrubbsTeam]

5.0 star review received on the Experience platform for Ryan Grubbs by Ginger T - Thank you for a smooth transaction

[Ryan Grubbs Team @RyanGrubbsTeam]

Myth: FHA loans are only for first-time homebuyers.
Fact: FHA loans are available to many qualified buyers—not just those purchasing their first home. Whether you're buying again, relocating, or starting fresh, an FHA loan could be a great fit. Contact us today for more info!

[Ryan Grubbs Team @RyanGrubbsTeam]

5.0 star review received on the Experience platform for Ryan Grubbs by Gregory J - Ryan, Barney and team are ALWAYS incredible in every aspect of the transaction, which is why ...

[Ryan Grubbs Team @RyanGrubbsTeam]

Thinking about buying a home but unsure where to start? FHA loans might be the opportunity you've been looking for. FHA loans are designed to make homeownership more accessible by offering lower down payment options, more flexible credit requirements, and more! Contact us today!

[Ryan Grubbs Team @RyanGrubbsTeam]

What if you were already closer to homeownership than you think? One of the biggest mistakes buyers make is assuming they don't qualify—without ever checking. The truth is, many home loan programs are available for a wide range of credit profiles. Contact us for more info!

[Ryan Grubbs Team @RyanGrubbsTeam]

Median age is just one of the ways today’s first-timers don’t fit the traditional mold. Good thing we’re built for any buyer.

[Ryan Grubbs Team @RyanGrubbsTeam]

While you're preparing for going back to school, it might also be the perfect time to start planning for your next home.

If you're spending the weekend thinking about buying, refinancing, or just have a mortgage question, Jesse is here to help. Give him a call or text anytime!

[Ryan Grubbs Team @RyanGrubbsTeam]

How many opportunities are missed because of bad information? Many buyers think they have to wait until they reach a 750+ credit score before buying a home. The reality? Many home loan programs are available to buyers with credit scores well below 750. Contact us today!

[Ryan Grubbs Team @RyanGrubbsTeam]

Today’s first-time homebuyer numbers don’t mean demand has disappeared, but they do signal that the path to homeownership is becoming more challenging. Education and advocacy can help smooth the way.

[Ryan Grubbs Team @RyanGrubbsTeam]

Two weeks left for Best of Denton County! Ends 8/12!
1. Go to https://t.co/Xc8IobcPK6
2. Click 2026 Categories List
3. Scroll to Financial, Insurance, & Real Estate Services
4. Vote for: Best Mortgage Company – Cross Country Mortgage Ryan Grubbs

[Ryan Grubbs Team @RyanGrubbsTeam]

Think you need a 750+ credit score to buy a home? Think again! One of the biggest homebuying myths is that you need near-perfect credit before getting a mortgage. Truth is there are many loan programs designed to help buyers with a wide range of credit profiles. Contact us today!

[Ryan Grubbs Team @RyanGrubbsTeam]

Credit score myths are everywhere—but the facts can save you money. Have you ever heard that checking your own credit hurts your score? Or that you need perfect credit to buy a home? Those are just a couple of the biggest misconceptions out there. Contact us for more info!

[Ryan Grubbs Team @RyanGrubbsTeam]

5.0 star review received on the Experience platform for Ryan Grubbs by Kirill P - Good communicatio!

[Ryan Grubbs Team @RyanGrubbsTeam]

Have you checked your credit score this year? It only takes a few minutes, and it could make a big difference in your homebuying journey. Reviewing your credit regularly can help you with a lot: catch errors, track progress, spot potential fraud, and much more! Contact us today!

[Ryan Grubbs Team @RyanGrubbsTeam]

For many older homeowners, moving isn't driven by market timing. It's driven by lifestyle changes, family needs and future planning. Understanding those motivations can help create more meaningful conversations.

[Ryan Grubbs Team @RyanGrubbsTeam]

Keeping your loan process running smoothly.... even on the weekend! Garyn has your back. Contact us with any questions!

[Ryan Grubbs Team @RyanGrubbsTeam]

Think you need to be a first-time homebuyer to buy with $0 down? Think again. Our CCM ZeroDown program is designed to help more buyers become homeowners—with NO first-time homebuyer requirement and NO income limits. Contact us today for more info!

[Ryan Grubbs Team @RyanGrubbsTeam]

Sometimes the smartest purchase is the one you wait to make. When buying a home, it can be tempting to finance new furniture before closing. But taking on new debt too soon can impact your credit, debt-to-income ratio, and even your loan approval. Contact us today for more info!