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Loan Consultant | NMLS #230507

PINNACLE HOME LOANS

Corporate NMLS#02083817

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About Toni

RATES MATTER - BUT SERVICE IS CRITICAL!

"I can offer the best rates available but it's my education and strategy that make the difference for my clients."

Whether you're shopping for a refinance for the 3rd time or a brand new first-time home buyer...I want you to know your options. I work with every client to develop a strategy based on your goals...not mine. I believe in educating you so you have the tools to feel confident in your decision.

  • Trust: I maintain strict security practices to protect your private & financial information.

  • Strategy: I care about the big picture which includes short & long term goals. I work with you to develop a strategy unique to you.

  • Options: Big name banks might only be able to offer one or two programs - Pinnacle Home Loan's connection and flexibility can offer you a variety of mortgage loan options.

FUN FACTS

 

• Toni has been in the lending industry for over 30 years

 

• She was a top sales representative for several pharmaceutical companies for 10 years.

 

• Toni is a Certified Identity Theft Risk Management Specialist (CITRMS)

 

• Her additional training includes internet marketing, social media marketing and search engine positioning.

• She volunteers at the local high school teaching a credit & finance seminar to the senior economics classes

 

• Toni is a California native who loves:

  • Visiting theme parks with her kids & grand-kids

  • Yorkshire Terriers - the current duo is Wall-e & Eva

  • Vacationing in Hawaii and snorkeling

  • Rollercoasters including the the VelociCoaster in Florida

  • Italian Food and fresh-baked bread

  • Chocolate - hello dark!

  • Fishing (especially saltwater)

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© 2025 by Toni F. Ryan - NMLS#230507

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Toni Ryan - NMLS#230507
Direct/Text: (530) 305-7668
Email: toni@toniryan.com

Main Office:
333 University Avenue Ste 200 #7
Sacramento, CA 95825
In-person meetings by appointment
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© 2025. All Rights Reserved | Equal Housing Lender | Not a commitment to lend. Rates and terms subject to change without notice. Licensed by the California Department of Financial Protection and Innovation under the California Residential Mortgage Act No. 4130968; AL #22653; AR #32700; AZ #1015403; Colorado regulated by the Division of Real Estate; DE #019623; FL #MLD819; Georgia Residential Mortgage Licensee #20924; ID #MBL-5861; Kansas Licensed Mortgage Company #MC.0025601; KY: #MC701698; MD: #16927; Mississippi Licensed Mortgage Company Licensed by the Mississippi Department of Banking and Consumer Finance;Licensed by the Minnesota DOC #MN-MO-1141; Licensed by the NJ Department of Banking and Insurance; NC: L-152867; NV: #3681; OK: #ML012358; Licensed by the Oregon Division of Financial Regulation #ML-3808; PA: #37008; TN: #112513; Licensed by the Virginia State Corporation Commission #MC-5579, WV: #ML-31523/MB31759. NMLS #1141. www.nmlsconsumeraccess.org  Privacy Policy

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