Ryan Haro NMLS 2024978

Ryan Haro NMLS 2024978 Mortgage Loan Officer NMLS #2024978 at BankPlus NMLS #431487 | Equal Housing Company

We had a great weekend supporting Greater New Orleans’ Home Builders Association and the Professional Women in Building.
08/17/2026

We had a great weekend supporting Greater New Orleans’ Home Builders Association and the Professional Women in Building.

Mortgage pre-qualification and mortgage pre-approval are not the same!When it comes to the former, the applicant provide...
08/16/2026

Mortgage pre-qualification and mortgage pre-approval are not the same!

When it comes to the former, the applicant provides information to the lender, such as income, employment, existing debts, etc.

This information is enough, in most cases, to pre-qualify the applicant for a mortgage.

However, this information is not yet VERIFIED, which means the applicant is not yet approved, and information may arise to disqualify the applicant.

To avoid this, go after pre-approval – that is, have your information verified first.

Let us know if you have any questions or need any assistance – we are always here to help :)

We find great fulfillment and satisfaction knowing that we are giving the people of our community the opportunity to mov...
08/15/2026

We find great fulfillment and satisfaction knowing that we are giving the people of our community the opportunity to move forward with their lives without the worry of losing their homes.
The sincerest thanks to every one of you for your business and for your trust!

Here’s one for you:A 20% down payment is required to get a mortgage…
08/15/2026

Here’s one for you:
A 20% down payment is required to get a mortgage…

FRM’s vs. ARM’s?No, it's not a wrestling match you can catch on pay-per-view. It's the difference between Fixed-rate mor...
08/15/2026

FRM’s vs. ARM’s?

No, it's not a wrestling match you can catch on pay-per-view.

It's the difference between Fixed-rate mortgages and Adjustable-rate mortgages.

Alright then… So what's the difference?

A fixed-rate mortgage is set in place and cannot change over the whole life of a loan. When you consider that most loans are split into 15 or 30 year plans, that's a pretty big commitment!

An adjustable-rate mortgage can have its interest rate go up or down during specific adjustment periods.

Maybe you get in at the right time, lock in the FRM right before inflation drives the rates up… or maybe you are getting a mortgage in a time of economic struggle, and you like the idea of the rate getting better over time.

The choice is yours… Choose wisely!

Debtception! One thing you should avoid at all costs, is taking out a loan to cover pre existing debt. If you feel like ...
08/15/2026

Debtception!

One thing you should avoid at all costs, is taking out a loan to cover pre existing debt.

If you feel like it's your only option, we strongly recommend you calculate your “debt to income ratio” first.

The calculation goes as follows:

1) Add up all your monthly debt payments
2) Divide them by your gross monthly income

If you fall above 43%, you should strongly consider finding another option.

Because when taking out a loan to pay off debt, it's never tit for tat – you’ll have to pay it back, and then some!

Looking to borrow some cash to make that life changing purchase? Could be a car, a pizza oven, a workspace, a fancy tool...
08/15/2026

Looking to borrow some cash to make that life changing purchase?

Could be a car, a pizza oven, a workspace, a fancy toolkit, or even a house…

Before you go rushing into the lenders office pen in hand, have a look at these tips for responsible borrowing:

-Spend time looking at your options, researching what offers are available and getting advice. Perhaps you need the loan quickly and you feel like there is no time – but the wrong decision can have you paying for years in the future.
-Always find out the total amount you will have to repay when borrowing. A shorter repayment period may beat a slightly lower Annual Percentage Rate (APR) amount.
-Know the difference between secured and unsecured loans. With a secured loan you can lose your home if you don't consistently make payments
-Make a budget to ensure you will be able to afford making payments
-Watch out for interest free deals. They seem great, but are only interest free if you pay them off within a certain time period. If you don't pay them off in time, the interest rate goes through the roof!

It's a dog eat dog world out there, so avoid the loan sharks and come out to see us. We will give you the assistance you need, without the shady hidden fees :)

Address

Metairie, LA

Telephone

+15049130967

Website

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