Ryan Holford

Ryan Holford

Senior Loan Officer Retail Lending


NMLS ID# 246037

3160 Crow Canyon Road, San Ramon, CA 94583 | Branch NMLS# 945546

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Biography

Success to me is overcoming challenges while realizing that failures are an important education. I am Ryan Holford, and from the earliest of my memories, my character was that of a driven, confident, and determined individual who strives to constantly improve. While many find contentment in life, I seek more and enjoy the milestones at the end journey. As a lifelong California native, born in San Diego and residing most of my life in the San Francisco Bay Area, I’m blessed to live where I pla ...Read More

Success to me is overcoming challenges while realizing that failures are an important education. I am Ryan Holford, and from the earliest of my memories, my character was that of a driven, confident, and determined individual who strives to constantly improve. While many find contentment in life, I seek more and enjoy the milestones at the end journey. As a lifelong California native, born in San Diego and residing most of my life in the San Francisco Bay Area, I’m blessed to live where I play and make the best use of the ocean, rivers, lakes, and mountains. I work hard in the office so I can enjoy the outdoors with my family. My career in the Mortgage Industry began in 1999 working for Irwin Union Bank originating second mortgages. I took a huge risk giving up a great paying tradesman job with union benefits to take on a commissioned role. Within 10 days of starting, I had a life changing event. While snowboarding I made a near fatal miscalculation in which my femur shattered my hip socket resulting in an emergency helicopter ride to UC Davis where I underwent reconstructive surgery. After two weeks in the hospital and a month in bed, I realized I had $41.20 to my name. Against Doctor’s orders, I returned to work 25 lbs lighter in a wheel chair and with a new outlook quickly became the number one sales person and have never looked back. I still carry my ATM receipt in my wallet to remind me where I have been and how I got to where I am today. For more than a decade as a Mortgage Professional, I’ve worked with literally thousands of homeowners and relate the hard working families and the financial struggles they go through. My true talents extend far beyond rates, and focus on creating solutions and custom plans that address more than just a financial statement. By focusing on the relationships with people and understanding the true motivations, I’m able to often find creative solutions and love the challenge of doing what everyone else says is impossible. My dedication to my clients has resulted in a referral based business fueled by client loyalty and appreciation. Over the years, I progressed into the brokerage side of the business and then opened my own company. When the market began to crash, I evaluated the expenses associated with keeping my company open and realized the best financial decision was to close this company and moved to CMG Financial where I’m happy to say I’ll be with for the remainder of my career. I’ve found the ultimate balance in life and I’m able to focus equally on my clients, my family, and my health. I have a beautiful wife, two children and one on the way! Now my motivations are driven by selflessness to provide for my family and I have ultimate gratitude for the fact that life seems to have its own way of working out.

Giving back is an important part of CMG Financial’s culture and gives us a “why” to what we do. Since 2011, we have worked to raise nearly $3 million for non-profits that align with our values and are dedicated to improving the lives of those in need. At our annual Wine Tasting and Charity Auction, we sponsor: the Gary Sinise Foundation, the Cancer Support Community, and the MBA Opens Doors Foundation.


The Gary Sinise Foundation creates and supports unique programs designed to entertain, educate, inspire, strengthen, and build communities. Their R.I.S.E. program (Restoring Independence Supporting Empowerment), builds specially adapted smart homes for America’s most severely wounded defenders, veterans, and first responders.


The Mortgage Bankers Association's Opens Doors Foundation and its Home Grant Program provides mortgage and rental payment assistance to families with critically ill or injured children, allowing families to be by a child's side during treatment.


The Cancer Support Community San Francisco Bay Area’s mission is to provide holistic integrative care services, free of charge, to individuals affected by cancer. This network of support can increase chances of survival while reducing chances of recurrence and ultimately provide for the highest possible quality of life.

Delivering the right loans for the right reasons in a way that exceeds all expectations. That’s our business. Since 1993, CMG Financial, has served home buyers and homeowners nationwide with all of their new purchase and refinance needs. All CMG Loan officers specialize in new purchase and refinance mortgage needs as well as act as a financial counselor to help borrowers make informed decisions.


Our diverse mortgage menu helps us find financing solutions for almost every borrower. We are dedicated to finding more ways to open more doors for home buyers. Find out what “Every Customer, Every Time. No Exceptions, No Excuses.” means to us!

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