Mortgage Services
Work with Ryan Winslow, a licensed loan officer. Get pre-approved online, explore loan options, and close faster with competitive rates and flexible terms.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
Ryan & Megan Winslow is federally registered through NMLS and offers loan products in all 50 states. Ryan Winslow is a licensed loan officer with expertise in helping buyers, sellers, and investors navigate financing.
Get transparent quotes, fast approvals, and loan structures tailored to your financial situation. Whether you're buying your first home, refinancing, or building an investment portfolio, we deliver straightforward guidance and competitive rates.
Your mortgage is one of the largest financial decisions you'll make. Work with someone who listens, explains your options, and closes loans on time.
Flexible mortgage solutions
30-year, 20-year, 15-year, and 10-year terms. Down payment options from 3% to 20% or more. Fully amortized mortgages.
FHA-insured mortgages for first-time and repeat buyers. Down payments as low as 3.5%. Flexible credit and income requirements.
VA-guaranteed loans for eligible military members, veterans, and surviving spouses. Zero down payment options. Competitive rates.
USDA-backed mortgages for rural and suburban homebuyers. Zero down payment options. Affordable rates for eligible properties.
High-balance mortgages exceeding conventional lending limits. Strong rates on loans from $500K to $5M+. Fast closings.
Non-qualified mortgage options for self-employed, investors, and borrowers with unique income profiles. Flexible documentation.
Debt Service Coverage Ratio loans for rental property investors. Loan decisions based on property income, not personal income.
Reverse mortgages for homeowners age 62+. Access home equity without monthly payments. Stay in your home.
Making homeownership affordable
Ryan & Megan Winslow works with down payment assistance (DPA) programs that help qualified buyers reduce their out-of-pocket costs. DPA programs offer grants and forgivable loans to eligible first-time and repeat homebuyers in many states and communities.
DPA programs vary by location. Income limits, credit requirements, and property types determine eligibility. Ryan can assess your situation.
Program funds are added to your mortgage or provided separately. Most programs have minimal restrictions and no repayment terms.
Ask Ryan about DPA options during your pre-approval conversation. Programs change frequently by state and county.
Quick reference calculator
ESTIMATED MONTHLY PAYMENT
$1,432
Principal & Interest (Taxes, Insurance, HOA Not Included)
This is an estimate. Your actual payment varies based on taxes, insurance, HOA fees, and loan type.
Know your buying power in minutes. Get pre-approved online or call Ryan to discuss your options.
386-690-5858
Available for questions about loan products, rates, and pre-approval.
The timing depends on how quickly you send your income, asset and credit documents. After you apply, federal rules require your lender to give you a Loan Estimate within three business days of receiving your application. Apply at https://www.winslowloan.com, and Ryan and Megan review each file personally.
Gather two years of income documents such as W-2s or tax returns, recent pay stubs, two months of bank statements, a photo ID and a list of your debts. Self-employed borrowers and investors need additional documents. Ryan and Megan tell you exactly what your file needs when you apply.
Each loan type sets its own standard, and lenders add their own rules. FHA allows 3.5% down with a 580 score or higher and 10% down with a 500 to 579 score. Florida Housing first-time buyer programs require a 640 score, and the VA sets no minimum score. Ryan and Megan review your credit and options and do not promise approval before they see your full file.
Pre-qualification is a quick estimate based on information you report. Pre-approval means a lender reviews your documents and credit, so sellers take your offer more seriously. Neither one guarantees a final loan approval, which still depends on the appraisal, underwriting and your finances at closing.
FHA requires 3.5% down with a credit score of 580 or higher, or 10% down with a score of 500 to 579. You pay an upfront mortgage insurance premium of 1.75% of the base loan plus an annual premium. The 2026 FHA one unit loan limit in Volusia County is $541,287, and the home must meet FHA appraisal standards.
A VA loan needs no down payment with full entitlement and carries no monthly mortgage insurance. For a first-use purchase, the VA funding fee is 2.15% with less than 5% down, 1.5% with 5% or more down and 1.25% with 10% or more down. You owe no funding fee if you receive VA disability compensation, and Ryan and Megan help you request your Certificate of Eligibility.
Hometown Heroes gives eligible buyers up to 5% of the first mortgage, with a $10,000 minimum and a $35,000 maximum, as a 0% deferred second mortgage. It serves full-time employees of Florida based employers in eligible fields, plus active military and veterans. Funding opens in rounds and has run out quickly before, so get pre-approved before the next round.
Yes. Ryan and Megan are Mortgage Bankers with The Federal Savings Bank, lending in all 50 states, and they hold real estate broker licenses in Florida, Massachusetts, Connecticut and Rhode Island. Apply at https://www.winslowloan.com, and they review each file personally.
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.
Practical guides from 17 years and over 3,000 closings. Available on Amazon in Kindle, paperback and hardcover.
