At Kearns Mortgage Team, LLC, we combine industry expertise with a personal touch to help you secure the right loan for your unique situation. Whether you are buying your first home, upgrading to your dream property, or refinancing, we are here to guide you every step of the way.
Our goal is simple: to make your mortgage experience smooth, transparent, and stress-free. From comparing competitive rates to providing tailored advice, we ensure you feel informed and confident from application to closing.
Ryan Kearns is the founder and broker-owner of Kearns Mortgage Team. Named a 2025 Scotsman Guide Top Originator, a 2025 HousingWire Rising Star, and a 2026 Scotsman Guide Top Emerging Star, Ryan has built his practice on one principle: find the path others miss. Complex files, tight timelines, structures that don’t fit the standard box. That’s where he does his best work, and it’s why families and referral partners trust him with the deals that matter most.
Beyond the business, Ryan is active in leadership and community service. He serves as president of his homeowners association, sits on the Affordable Housing Advisory Board for Hillsborough County, and volunteers through Grace Family Church’s Boys 2 Men program, mentoring young men as they grow into the next chapter of their lives.
Ryan is also a seasoned entrepreneur and active real estate investor with experience across multiple businesses. He builds systems, develops the people around him, and runs his organizations with the long view in mind. Designed to serve clients well and built to last.
Family comes first. Ryan and his wife are raising their children with a focus on shared experience: boating, time in the mountains, and the small traditions that hold a family together. He measures success the same way at home as he does at work, by the quality of the people around him and the trust he’s built with them.
His mission is straightforward: make the mortgage process clearer, faster, and built around the client, not the lender.
Explore flexible mortgage solutions designed for first-time buyers, families, and long-term homeowners.
Lower your interest rate, reduce monthly payments, or access home equity with smart refinance options.
Choose from FHA, VA, USDA, Non-QM, and conventional loans tailored to your unique financial situation.
Empowering individuals to achieve homeownership with trusted guidance and smart mortgage solutions built for lasting success.
To simplify the mortgage process through expert advice, transparent service, and a commitment to every client’s financial future.
Loan Partner & Executive Assistant
All loans are subject to credit approval. This is not a commitment to lend. Terms and conditions may apply and are subject to change without notice. Programs, rates, and eligibility subject to underwriting approval and availability. Equal Housing Opportunity.
