Mortgage Advisor · NMLS #358419
Get Clear, Honest Mortgage Guidance Before You Make Your Next Move
Making Friends One Loan at a Time
Whether you're buying, refinancing, building, or investing, Troy helps you understand your best loan options and move forward with confidence.
Meet Troy Ragland
32+ Years Helping Families Make Smarter Mortgage Decisions
For more than three decades, Troy has helped over 2,800 families navigate home financing with honesty, responsiveness, and personalized guidance. From first-time homebuyers to luxury and investment clients, Troy focuses on helping borrowers understand their options clearly before making one of the biggest financial decisions of their lives.
"You may not always like the answer, but you'll always get the honest one."
The Real Problem
Most Borrowers Don't Know Which Loan Is Actually Best For Them
- Confusing loan options
- Unclear approval requirements
- Too many online opinions
- Slow communication from lenders
- Fear of making the wrong financial move
- Uncertainty about rates, payments, and closing costs
"Troy made the process smooth and stress-free."
The Promise
Troy Helps You Get a Clear Loan Strategy Before You Commit
In one focused conversation, you'll walk away knowing exactly what to do next.
What you qualify for
A real, honest read on your true approval power.
Which programs fit
The right loan for your situation — not the easiest commission.
Cash needed
Down payment, closing costs, reserves — broken down line by line.
Realistic timeline
When you can close, and what milestones you'll hit along the way.
Red flags to solve early
Catch the issues that derail closings — before they cost you.
Monthly payment clarity
Clear expectations for monthly payments and long-term affordability.
What's Included
What You Get On Your Strategy Call
No pressure. No pitch. Just a 30-minute conversation that gives you a real plan.
Loan option review
Side-by-side breakdown of every program you qualify for.
Personalized next-step plan
A clear action list for your exact situation.
Honest approval guidance
Real numbers, real expectations, zero sugarcoating.
Cash-to-close clarity
Down payment + closing costs spelled out upfront.
Purchase or refinance strategy
Built around your goals and timeline — not a script.
Direct answers from Troy
32 years of experience. You speak with Troy, not a call center.
Zero obligation. Zero pressure. Just a straight answer.
You'll only move forward if it's the right call for you — even if Troy has to tell you so.
Free Resource
Not Ready to Book Yet? Start With the Free Mortgage Guide.
The Smart Borrower's Guide to Mortgage Options — a no-fluff breakdown of the loan programs, qualifications, and questions every borrower should know.
- Loan programs explained simply
- Approval & credit guidance
- Down payment & cost breakdown
- Red flags to avoid
"He truly cares and gets deals to the finish line."
The Smart Borrower's Guide to Mortgage Options
By Troy Ragland · NMLS #358419
Client Stories
What Clients Say About Working With Troy
Borrowers value Troy's responsiveness, honesty, communication, and ability to simplify the mortgage process.
"It was such a pleasure working with Troy. He exceeded my expectations every step of the way. He was professional, knowledgeable, responsive, and worked diligently to help my client close quickly and smoothly. His kindness, relatability, and communication made the process seamless and stress-free. If you're looking for a lender who truly cares and knows how to get deals to the finish line, I highly recommend Troy."
"Troy was amazing at making sure all my questions were answered throughout the process and made sure we understood each step. His response time to every call, text, and email was incredibly fast, and he was always available when needed. Thank you, Troy, for making this a smooth and stress-free first-time homebuying experience."
"Troy has been one of the best mortgage professionals I've ever worked with. His expertise made the transaction incredibly smooth, and he consistently went above and beyond with communication. Every question I had was answered clearly and confidently. I highly recommend Troy to anyone beginning their homeownership journey."
"The opportunity for 100% financing helped my family purchase our first home. Troy was available at all times — including weekends — and kept us informed through every step of the process. I consider Troy a true mortgage expert."
"Working with Troy Ragland was an absolute pleasure from start to finish. He made what can be a stressful process feel smooth and straightforward, always taking the time to explain our options and answer every question we had. Troy was responsive, knowledgeable, and genuinely invested in finding the best solution for us. We couldn't have asked for a better loan officer."
"Troy went above and beyond to make the process smooth and relatable. He was always available and eager to address concerns or questions. I truly felt like he had my back every step of the way. I highly recommend Troy to anyone looking for quality customer service and support."
Next Step
Ready to Take the Next Step?
If you already know you're ready to apply, start your application directly with Troy.
"Fast, reliable, and highly experienced."
Get the Right Mortgage Plan Before You Move Forward
One call. Honest answers. A clear next step. That's all it takes.
Ready to Talk?
Direct line to Troy — no call centers, no runaround.