Mackinac Bridge _ Mackinaw Michigan_Mackinac Island

ABOUT US

Our mission is driven by 3 core principles:

1. Financing as a Financial Strategy

Our focus isn’t just on closing loans, it’s on helping you build long-term financial success. Whether you're purchasing your first home, refinancing for a better rate, or exploring investment opportunities, we take a strategic approach to ensure your mortgage supports your broader financial goals.

2. The Most Transparent and Efficient Process Possible

The mortgage industry is full of fine print, hidden fees, and misleading tactics. At Murray Mortgage Solutions, we deliver a loan process that is fully transparent, highly efficient, and built around you. We’re constantly refining our approach, leveraging new technology, and optimizing every step to make the process even smoother, faster, and more client-friendly.

3. The Mortgage Broker Advantage

Most consumers don't understand how the Mortgage Broker model for obtaining financing truly works. Banks and retail lenders operate with higher overhead, larger margins, and limited loan products, meaning you pay more. Mortgage Brokers, on the other hand, have direct access to wholesale rates and multiple lenders, allowing us to offer better pricing, more loan options, and a streamlined process that retail lenders simply can’t match. Our mission is to inform and empower consumers by showcasing how the Mortgage Broker model delivers superior value through lower costs and more flexibility.

WHAT IS A MORTGAGE BROKER?

Many Americans aren’t familiar with the role of a Mortgage Broker, and that’s no accident. Traditional banks and lenders often create confusion to maintain control, but we’re here to bring transparency, choice, and the best possible options to you.

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Meet the Founder

Ryan founded Murray Mortgage Solutions with a clear vision: to create a mortgage brokerage that prioritizes clients' long-term financial goals and always acts in their best interest. Having worked extensively in the mortgage and financial sectors, Ryan witnessed firsthand the significant benefits that the broker model offers borrowers compared to banks or retail lenders. The advantages, including lower rates and fees, faster closing times, and a smoother process, were clear. However, he also observed that many mortgage brokers were more focused on sales and profits than on whether the loan was a smart financial decision for their clients.

Ryan's dedication to client-centric service is deeply rooted in his background as a CERTIFIED FINANCIAL PLANNER™ Practitioner. This designation not only underscores his expertise in financial advising but also holds him to a higher standard of client care. He leverages his extensive knowledge in both finance and real estate to help clients understand how real estate ownership and mortgage financing align with their broader financial goals.

Equally notable is Ryan’s unwavering commitment to transparency and education, ensuring his clients are well-informed and confident in their decisions. Ryan is deeply invested in studying and analyzing the tactics used to manipulate consumers both in the mortgage industry as well as across various financial sectors. This obsession with understanding and combating unethical practices fuels his mission to protect clients from exploitation and to provide a mortgage experience that is honest, transparent, and aligned with their best interests.

Before founding Murray Mortgage Solutions, Ryan held various roles in the financial industry, where he honed his skills in financial analysis, mortgage underwriting and information technology. His academic background includes a BS degree in Finance from DePaul University, where he was also a member of the Men’s Ice Hockey Team. Ryan currently lives in Michigan, splitting his time between Detroit and Petoskey based on his client’s needs.