Partner with Ryan and Megan Winslow for faster closings, better client communication and down payment assistance programs. We are here to help you close deals and serve your clients better.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
Having Ryan and Megan Winslow as part of Winslow Homes gives your clients seamless coordination, faster underwriting and a lender who understands your market and your clients.
Because lending is in-house, there is no back and forth with an outside lender. Underwriting moves faster. Issues are resolved immediately. Your transactions close on time.
You know who to call. Ryan and Megan are accessible. No hold times or transferred calls. Direct communication means fewer surprises and happier clients.
Your buyer gets real estate and mortgage from one team. Aligned incentives. Coordinated marketing. No conflicts. Everyone wins together.
When competing for listings, you offer something other agents cannot: a lender your clients can trust who works with you. This difference closes deals.
Agent-referred leads convert at a 15-25% funded rate, versus 2-4% for leads from paid media. In-house lending means trust and speed.
In-house lenders close in 30-40 days, versus 45-60 days with outside lenders. Speed matters in competitive markets.
In-house lending resolves 80%+ of underwriting issues without killing the deal. Outside lenders often deny. In-house finds solutions.
Coordinated real estate and lending means higher satisfaction scores. Clients feel supported from listing to closing.
Ryan and Megan Winslow are mortgage bankers with The Federal Savings Bank, through Winslow Loan (www.winslowloan.com), lending in all 50 states. This is not a state-limited broker. Your clients get a full lender with the licensing, capital and infrastructure to serve them anywhere.
What this means for your clients: regulatory oversight, consumer protections and the stability to fund loans in any market. Tell them they are in good hands.
Do not assume a client does not qualify until you talk to Ryan or Megan. These are the products we regularly fund.
Fixed and ARM options. 3% to 20% down. Competitive rates. Fast underwriting.
3.5% down. Works for first-time and repeat buyers. Credit flexibility. FICO scores 580+.
Zero down for eligible veterans. No PMI. Dedicated VA loan expertise.
For qualifying rural properties. Zero down. Competitive rates for rural buyers.
Loans above conventional limits. Portfolio lending. Higher-value properties.
15% to 25% down. Rental properties. Fix and flip financing available.
FHA 203(k) and conventional renovation loans. Buy and upgrade with one loan.
Sell the old home while buying the new one. Bridge the gap with speed and certainty.
When you refer a client, ask Ryan or Megan what is possible for their situation. There is flexibility on credit, income and scenarios that big banks do not offer. Do not assume. Call and ask.
State and local DPA programs can cover 3% to 20% of the purchase price. Ryan and Megan handle DPA programs in all 50 states, not just our service areas.
Your action: when a buyer has limited down payment funds, call Ryan or Megan and ask about DPA in their area. Even if your buyer is outside FL, MA, CT or RI, they can explore options. This is a deal-maker.
Exactly what happens at each step.
Direct your buyer to www.winslowloan.com to apply, or have them call 386-690-5858 to speak directly with Ryan or Megan. Pre-approval takes about 10 minutes online.
Ryan or Megan reviews the application, orders the credit report and verifies income documents, then calls your buyer with a decision. Most are approved same day or within 24 hours.
The letter goes to your buyer and to you. This is your ammunition in competitive offers.
Set a call or meeting with you, your buyer and Ryan or Megan to align on timeline, loan product and any special needs.
Once an offer is accepted, Ryan or Megan provides regular updates on inspections, appraisal, underwriting and conditions. No surprises.
When all conditions clear, closing is scheduled within 3-5 business days. Ryan or Megan coordinates with the title company and closing attorney. Your buyer signs and gets keys.
What your buyer needs to provide: recent pay stubs, last 2 years of tax returns, bank statements, employment verification and government-issued ID. Having these ready speeds pre-approval.
Reach out to Ryan and Megan about marketing ideas. They are invested in your success.
Create flyers and sign riders featuring your name and Ryan and Megan's lending contact info. Buyers see agent and lender under one roof. You become the complete solution.
Ryan or Megan can attend your open houses to answer financing questions, do quick pre-qualifications and start conversations with prospects.
Share loan tips, DPA info and buyer success stories. Tag Winslow Loan. Ryan and Megan will amplify and co-post your content.
Host monthly or quarterly seminars. You present market trends and the buying process. Ryan and Megan present loan products, DPA and pre-approval.
Educate clients on loan products, DPA programs and market trends. Ryan and Megan bring the knowledge. You bring the audience. Generate qualified leads.
Build campaigns in Winslow CRM for your prospect list with content on DPA, loan products and market updates. Coordinate messaging and track engagement.
You do not need to be a mortgage expert, but these basics help you match buyers to the right loan and avoid surprises at closing.
Ask these questions:
Why it matters: this quick conversation tells you whether to send them to Ryan or Megan now or wait until they are more serious.
Call Ryan or Megan immediately if:
Pro tip: ask Ryan and Megan to train your team quarterly on loan basics and market updates.
The appraiser determined the home is worth less than the purchase price. The lender only lends on appraised value, so the gap means the buyer needs more cash. Your options:
Call Ryan or Megan immediately. They will advise which option works best.
Common issues: missing documentation, income verification gaps, credit inquiries, employment gaps or a debt-to-income ratio that is too high.
Your role: keep the buyer calm, encourage fast responses to conditions and work with Ryan or Megan to get everything submitted. Most deals that look like trouble can be saved with coordination and documentation.
Tell your buyers: "You will have a pre-approval letter within 24 hours. This letter tells sellers you are serious and ready to buy. It is one of the most powerful tools we have in a competitive market."
Once an offer is accepted, expect weekly updates from Ryan, Megan or the team on appraisal, inspections, underwriting and conditions. Ask any time. Response is usually within 24 hours.
You connect buyer and lender. Share every update with your buyer and coordinate timeline and contingency removal. If your buyer is anxious, encourage them to call Ryan or Megan directly.
Yes. Ryan and Megan lend in all 50 states. Ask them. They can help your buyer even outside our primary markets.
No pressure. Tell them about the advantages: faster communication, better coordination and lower costs in some cases. Let them choose. Most buyers who learn about in-house lending switch over.
Fees vary by loan type and borrower profile. Ask Ryan or Megan for a Loan Estimate once your buyer applies. Standard is 0.5% to 1.5% of the loan amount, and our pricing is competitive.
Ryan or Megan calls immediately and explains what is needed. Most issues are resolved with more documentation. Rarely does a problem kill the deal.
Rates are set by market conditions, loan type and credit profile. Buyers with excellent credit or a large down payment may get better rates. Always ask Ryan or Megan.
Discuss with Ryan or Megan immediately. Options include lowering the offer, increasing the down payment, challenging the appraisal or finding a different property.
Yes, with stricter requirements: 15-25% down, strong cash reserves and usually good credit. Rental income must be documented. Have them call Ryan or Megan.
Yes. Bridge loans give your buyer buying power now and let them use their current home sale proceeds for the down payment.
Talk to them and address concerns. Have them call Ryan or Megan, who will explain the process, timeline and what to expect. A conversation often resolves anxiety.
Call 386-690-5858 or email [email protected] or [email protected]. Buyers can apply any time at www.winslowloan.com.
Ryan Winslow NMLS 2426605. Megan Winslow NMLS 2692933. Mortgage bankers with The Federal Savings Bank, lending in all 50 states. This resource is for Winslow Homes agents.
[email protected] | 386-690-5858 | 3539 Tuscany Reserve Blvd, New Smyrna Beach, FL 32168
Practical guides from 17 years and over 3,000 closings. Available on Amazon in Kindle, paperback and hardcover.
Instant answers on programs, payments, towns and homes, any time, in English or Spanish. Ryan and Megan follow up personally.
Estimates from your inputs only. Not a loan offer, rate quote or approval. Ryan and Megan, Mortgage Bankers with The Federal Savings Bank (NMLS #411500), confirm real numbers.
