The NEW approach to your mortgage.

At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.

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Ryan Morrow

Sales Manager | NMLS# 256716

The Morrow Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of California. Whether you are first-time homebuyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.


We have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.


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The NEO Experience

Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.

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  • Annual Financial Reviews

    Ensure your family's well-being by strategically planning for the future. Continuously receive expert advice and guidance to skillfully manage your real estate and financial matters.

  • Home Concierge Service

    Let our team assist you in maintaining your home's excellent condition and boosting its value as years go by.

  • Monthly Real Estate Wealth Digest

    Gain comprehensive insight into your real estate wealth and explore the array of options available to you. Plus, delight in observing the progress as it appreciably shifts each month!

  • The Perfect Mortgage Promise

    As your life's chapters unfold and transform, your mortgage management strategy should adapt accordingly. Our team is here to help you navigate these changes, ensuring your mortgage aligns with your evolving needs.

  • Maximize Wealth Through Real Estate

    Leverage the full potential of your current real estate holdings to ensure that your property is yielding its maximum benefits.

  • Relocation Services

    Discover the benefits of our NO COST renovation financing, designed to amplify the profits from your home sale. In addition, our advanced technology streamlines your transition into your new residence with ease.

OUR PROCESS

Step 1

Discovery

We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.

Step 2

Strategy

We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.

Step 3

Execution

We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.

Step 4

Wealth Maximization

Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.

The closing of your loan is just the start of our relationship.


Stay informed about the value of your home!


Our monthly report offers an intuitive financial dashboard, tailored to enhance your wealth-building journey with your most significant asset: your home.


We are committed to ensuring you always have a clear and accurate understanding of your home's value and its impact on your family's financial wellbeing.

GET YOUR HOME REPORT NOW