Terms & legal disclosures
Licensing, the disclosures that apply to a California mortgage broker, and the terms that govern this website. Last updated November 10, 2026.
Licensing
Ranniker Lending is operated by Troy Ranniker, a real estate broker licensed by the California Department of Real Estate, Broker License #01403185, with a mortgage loan originator endorsement, individual NMLS #271117. Company NMLS #355886. Office: 2271 Ohio Avenue, Signal Hill, CA 90755.
Ranniker Lending is licensed to originate residential mortgage loans in the State of California only. Nothing on this website is an offer to lend in any other state. Licensing can be verified through the California Department of Real Estate public license lookup and through NMLS Consumer Access.
Not a commitment to lend
Information on this website is general and educational. It is not a commitment to lend, an offer of credit or a guarantee of approval, rate, terms or savings. All loans are subject to credit approval, property appraisal, verification of income and assets, and the underwriting guidelines of the lender or investor that funds the loan. Not all applicants will qualify. Program availability, guidelines, terms and conditions change without notice.
Descriptions of loan programs on this site summarize how a category of program generally works. Specific requirements, including down payment, reserves, credit, loan-to-value and property eligibility, vary by lender and change over time. Confirm the details that apply to your file with Troy Ranniker before relying on them.
Rates and costs
This website does not display interest rates. Any rate quoted to you will be provided in writing with its annual percentage rate and the costs on which it is based, and will be subject to change until locked. A written loan estimate will be provided within the time required by law once an application is received.
Debt consolidation and home-secured borrowing
Using a mortgage, home equity line of credit or second mortgage to pay off unsecured debts such as credit cards or personal loans converts those debts into debt secured by your home. If you do not make the payments, you could lose your home. Extending repayment over a longer term can increase the total amount of interest paid even where the monthly payment is lower. Consider these factors and, if appropriate, consult a financial, tax or legal advisor before proceeding.
No legal, tax or financial advice
Nothing on this website is legal, tax or investment advice. Information about foreclosure timelines, tax treatment of mortgage interest or investment property is general in nature. Consult a qualified attorney, tax professional or advisor about your circumstances.
Equal Housing Opportunity
Ranniker Lending conducts business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, familial status, age, marital status, sexual orientation, gender identity, source of income or any other protected characteristic.
Consumer complaints
If you have a complaint about a California-licensed real estate broker or mortgage loan originator, you may contact the California Department of Real Estate. Complaints about mortgage lending practices may also be directed to the Consumer Financial Protection Bureau.
Accessibility
We want this website to be usable by everyone, including people using screen readers, keyboard navigation or magnification. It is built to the Web Content Accessibility Guidelines 2.2 at level AA as a target. If any part of the site is difficult to use, contact ranniker@msn.com and we will provide the information in another form and fix the problem.
Use of this website
Content on this site, including text, design and the Ranniker Lending name and logos, belongs to Ranniker Lending and may not be reproduced without permission. You agree not to use the site for any unlawful purpose, to submit false information or to interfere with its operation. Links to third-party websites are provided for convenience and we are not responsible for their content.
The site is provided as is. To the fullest extent permitted by law, Ranniker Lending disclaims warranties of any kind and will not be liable for damages arising from use of the site or reliance on its content. These terms are governed by the laws of the State of California.
Electronic communications
By submitting a form you consent to receive calls, text messages and emails from Troy Ranniker about your request, including by automated means where permitted. Consent is not a condition of obtaining a loan. You may withdraw consent at any time by replying STOP to a text or by contacting us. Message and data rates may apply.
Contact
Troy Ranniker, Ranniker Lending, 2271 Ohio Avenue, Signal Hill, CA 90755. ranniker@msn.com. (562) 856-3376.