The lender who answers his own phone.
Troy Ranniker has been a licensed California mortgage broker since January 2004. He founded Ranniker Lending in Signal Hill to run a mortgage company one way: the person who quotes your loan is the person who closes it.
- Licensed
- California DRE Broker #01403185, issued January 2004
- NMLS
- Individual #271117 · Company #355886
- Office
- 2271 Ohio Avenue, Signal Hill, CA 90755
- Lends in
- California
One file. One person. Start to finish.
Most mortgage companies are built as an assembly line. A loan officer sells the loan, a processor gathers the documents, an underwriter you never meet decides the file, and a closer you never speak to schedules the signing. Each hand-off is a place for a detail to drop and a week to disappear.
Ranniker Lending is built the other way. Troy takes the first call, reads the statements, prices the loan, orders the appraisal, clears the conditions and coordinates escrow. When a listing agent calls to check a pre-approval, they reach the person who wrote it. When something needs an answer at seven in the evening, the phone is answered by someone who knows the file.
He has run it that way since founding the company, and he is the reason it works: a California real estate broker license held since January 2004, with endorsements as a mortgage loan originator, and two decades of placing the loans that larger lenders decline alongside the agency, FHA, VA and jumbo loans everyone offers.
- Tagline
- “Where preciseness is the key to success.”
- Specialties
- Bank-statement, asset-depletion, DSCR, non-traditional credit, high-acreage, commercial
- Also
- Conventional, jumbo, FHA, VA, CalHFA and down-payment assistance
- Reach him
- (562) 856-3376 · ranniker@msn.com
How Troy runs a file.
Four habits, applied to every loan, whether it is a first-time FHA purchase or a jumbo refinance with complicated income.
Read before quoting
Troy looks at the statements, the credit and the property before he names a program or a price, so the first number you hear is one that survives underwriting.
Everything in writing
A written estimate with every cost itemized, and a plain-language explanation of each adjustment that applies to your file.
Say no early
When a loan is a bad idea, Troy says so on the first call. A consolidation that costs more in total, a refinance that will not break even, a program that will not close: better to hear it before you spend a dollar.
Pick up the phone
Borrowers, agents and escrow all reach the same person. Milestones are communicated as they happen, not discovered later.
Checklists, precision, a plan for every leg.
Troy’s standard for a file comes from the same place as a pilot’s standard for a flight: run the checklist every time, know the numbers cold, plan the whole route before the first move, and never improvise with someone else’s stake on board. Off the clock, general aviation is where he practices it.
Photograph is illustrative. Troy is a loan officer and broker; aviation is a personal interest, not a service of Ranniker Lending.
Licensing, in full.
Every number here can be verified on the California Department of Real Estate public lookup and NMLS Consumer Access.
- Licensee
- Troy Ranniker
- California DRE
- Real Estate Broker License #01403185
- Individual NMLS
- #271117
- Company NMLS
- #355886
- Licensed in
- California only
- Office
- 2271 Ohio Avenue, Signal Hill, CA 90755
Talk to Troy.
Tell him what you’re trying to do. He’ll tell you what’s possible, what it costs and what to send.