Ryan Broughton

Ryan Broughton Ryan Broughton
Branch Manager / Mortgage Advisor
NEO Home Loans | NMLS #330511
NMLS ID # 387870
Equal Housing Lender

Fairway Independent Mortgage Corporation is dedicated to providing simple, affordable mortgage solutions. We have over 670 branches across the country offering hometown service backed by national strength. Whether you’re buying your first home, a second home or refinancing your current mortgage, Fairway offers a wide variety of home financing options that are designed to fit your unique needs and

goals. Our loan officers are ready to guide you every step of the way, from application to closing and beyond. Speaking of closing, we have a reputation for closing on time — sometimes in as little as 10 days! Find your trusted local Fairway loan officer today. Fairway Independent Mortgage Corporation complies with and supports Equal Housing Opportunity laws and regulations.

If you need access to cash quickly, a 401(k) withdrawal might seem like the easiest move… but for homeowners… is this yo...
05/29/2026

If you need access to cash quickly, a 401(k) withdrawal might seem like the easiest move… but for homeowners… is this your most cost effective option? 🤔

Taxes, penalties, and lost retirement growth can make that short-term fix much more expensive over time.

That’s why it can be helpful to compare the full picture using DATA, including whether a home equity loan or HELOC may be worth exploring, too.

In today’s post, we break down:
• what a 401(k) hardship withdrawal can really cost
• how home equity options work
• when home equity may make sense, and when it may not

So - before you tap your 401(k), compare the real cost with your local NEO mortgage expert (visit NEOHomeLoans.com to find yours).

We help homeowners compare the total cost so they can make more informed, and confident decisions for THEM!

*Educational content only. Loan options, qualification, terms, and timelines vary.

05/27/2026

The right home matters.

But the right mortgage strategy matters just as much.

At NEO, we help you look beyond the purchase price and monthly payment so you can understand how this decision fits into your bigger financial picture.

Your goals.
Your timeline.
Your cash flow.
Your future plans.

Because buying a home should not feel like guessing.

It should feel like moving forward with confidence.

On Memorial Day, we honor the men and women who made the ultimate sacrifice in service to our country.Their courage dese...
05/25/2026

On Memorial Day, we honor the men and women who made the ultimate sacrifice in service to our country.

Their courage deserves more than a passing mention.

It deserves our remembrance, our respect, and our gratitude.
May we live in a way that honors what they gave.

Memorial Day weekend is about remembering those who never made it home.And for the veterans who did, we want you to know...
05/22/2026

Memorial Day weekend is about remembering those who never made it home.

And for the veterans who did, we want you to know this: Your VA benefit deserves to be used with clarity, not confusion.

One reason some VA buyers hesitate is the fear of appraisal “repair surprises.”

The good news:
VA appraisals ordered on/after May 1, 2026, have been simplified in a few meaningful ways, which may reduce some of the last-minute friction that used to show up on certain homes.

That doesn’t mean VA is lowering standards.

It means the process can be more practical, while still protecting buyers.

If you’re VA-eligible and buying in 2026 (or you happen to be hanging out with one this weekend)... then send us a message and share this post with them.

Have a safe and happy Memorial Day Weekend!

Every spring, we see the same fear pop up:“What if I buy and prices drop?”That’s a fair question.But it’s also usually t...
05/18/2026

Every spring, we see the same fear pop up:
“What if I buy and prices drop?”

That’s a fair question.
But it’s also usually the wrong timeframe.

In real life, home values can be bumpy in the short term.

But over longer timelines, the pattern has historically been more up years than down years.

So our job isn’t to “predict the next year.”
Our job is to help you build a plan that still works if the next year is messy.

If you’re thinking about buying, the most important question is:
🎯 How long do you plan to own it?

💾 Save this and send it to the friend who keeps waiting for the “perfect time.”

From my personal experience... I find that most people don’t need a “creative loan.”What they really want is certainty i...
05/15/2026

From my personal experience... I find that most people don’t need a “creative loan.”

What they really want is certainty in their control.

Control over timing.
Control over decisions.
Control over not feeling forced to accept an offer just because you already bought.

That’s what our NEO bridge strategy is designed for:
To access equity from your current home in order to buy the next one, so you can sell with a plan behind you.

Want to know if this fits your situation?

Send us a message, and we’ll walk you through the 3 scenarios we always model before someone buys first.

05/13/2026

Buying and selling at the same time can sure feel like a timing puzzle... am I right?

Well... what if your next move didn’t have to depend on rushing your current sale?

Our NEO HELOC Bridge Loan does just that!

It helps qualified homeowners access equity from their current home and use it toward the purchase of their next one.

That means you may be able to:
1. Buy first.
2. Move once.
3. Sell with less pressure.

So - Instead of trying to line up 2 major transactions perfectly, you can create a more flexible plan that fits your life, your finances, and your timeline.

As always though, the right strategy depends on your equity, goals, qualifying details, and market conditions, so the first step is a quick and easy "dreams and goals" call so we can unpack ALL of your potential financing options, making it easy to select the RIGHT one for you!

Just shoot us a DM, and we'll be happy to send you our calendar link.

Don't worry... you’re not “being picky.” You’re just trying to avoid a six-figure mistake, right?Because let's be real.....
05/11/2026

Don't worry... you’re not “being picky.”

You’re just trying to avoid a six-figure mistake, right?

Because let's be real... buying before you sell can feel like standing on 2 moving platforms, and based on the thousands of conversations we've had with people just like you, they often worry about:

1. What if our home takes longer to sell?
2. What if the new payment feels too tight?
3. What if we get stuck carrying two mortgages?

And sure, that can sound overwhelming... but it’s actually only risky when you do it without a real plan.

Which is what we help you with. Our job is to be your guide and build the plan before you ever write an offer.

So you can make decisions from clarity, not pressure, even while the market keeps shifting week to week.

Here's our tried and true framework we use on repeat:
1. Timeline first (your sell window, not someone else’s)
2. Payment clarity upfront (best case, normal case, “what if” case)
3. A pressure release valve (backup options so you’re not forced into a rushed sale)

If you’re thinking about moving in the next 3-6 months, send us a message, and we’ll tell you what this could look like for your exact situation, no hype, just a plan.

Mother’s Day weekend always hits different because suddenly…You hear yourself say the same stuff your mom said. 😅“I get ...
05/08/2026

Mother’s Day weekend always hits different because suddenly…

You hear yourself say the same stuff your mom said. 😅

“I get it now” Mother’s Day edition:
What’s a classic Mom line you heard a million times growing up?

Drop yours in the comments!

Examples to get it started:

* “Close the door, we’re not cooling the whole neighborhood.”
* “Do you have money for that?”
* “Because I said so.”
* “If you’re going to do it, do it right.”

We’ll go first: “Let’s handle it now so it’s not a problem later.”

Homebuying translation: get your plan in place before you fall in love with a house.

Can’t wait to read these. 🫶

05/06/2026

If you’re holding off because it’s not the dream house… we get it.

But here’s what most people learn after they buy:
Your starter home isn’t supposed to check every box.
It’s supposed to change your position.

A starter home can do 3️⃣ powerful things:

1. Gets you out of “waiting mode” and into ownership
2. Helps you build equity over time instead of paying a landlord
3. Gives you options later (sell, rent it out, or use the equity to move up)

And no, this isn’t permission to buy something you’ll regret…
It’s a reminder that “perfect” is often the enemy of “possible.”

If you’re a buyer right now, which one feels like your biggest hang-up?
Price, location, layout, or condition?

Comment one word and we’ll give you a smart way to think about it.

Address

28202 Cabot Road, Suite 253
Laguna Niguel, CA
92677

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 8am - 6pm

Telephone

+19494492223

Website

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