Orange County · #1 mortgage team · top 25 in the U.S. · under new leadership

The new approach to your mortgage.

We empower you with financial literacy and guide your journey to financial freedom. The Insight Team of NEO Home Loans is the top-ranked mortgage team in Orange County — a distinction earned over years under founding leader Ryan Grant, now NEO's founder & CEO. Ryan Broughton has since taken over as team leader, continuing that standard with the same full team of specialists working your file together, from first call to keys in hand.

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#1
In Orange County
Top 25
Nationwide
20+
Years in business
Why clients choose us
4.9 ★★★★★
Client rating
QM + non-QM
Loan programs
10 days
Fastest close
6
States licensed
Client reviews

One of the highest-rated mortgage teams in the U.S.

4.9
★★★★★
195+ Google reviews · see them all →
★★★★★

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Why work with us

One team. Every specialist you need.

A mortgage is the biggest line on your budget. We built a team — not a single point of contact — so every part of your file gets an expert's attention.

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Loan programs

Bank statement, DSCR, non-QM, or QM — we'll tell you which fits.

Standard qualified mortgages for W-2 borrowers. Bank statement loans, DSCR loans, and other non-QM programs for the self-employed, investors, and everyone the big banks turn away.

Qualified mortgages

The standard path

Conventional, FHA, VA, jumbo, and ARM programs — for borrowers who qualify on tax returns and W-2 income.

See QM programs →
Non-QM specialists

When you don't fit the box

Bank statement loans, DSCR investor loans, asset depletion, ITIN, foreign national, bridge financing, and more.

See non-QM programs →
How it works

Five steps. A whole team behind each one.

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Updated weekly

Check this week's market update

Current rates, forecasts, and what they mean for your next move — refreshed every week.

Visit the market update →

Ready to meet the team?

Get a real quote in minutes — or start the full application whenever you're ready.
Loan programs

Every path to the same front door.

Most lenders offer one box. We offer two full menus — qualified mortgages for standard scenarios, and non-QM programs when your income doesn't fit a W-2.

Qualified mortgages (QM)

Documented income, standard underwriting, usually the lowest rates.

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Non-QM

Non-QM programs

Self-employed? Investor? Paid in ways a W-2 can't describe? These programs qualify you on the income you actually have.

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Not sure which program fits?

One conversation, real numbers, no obligation.
The NEO Home Loans Experience

Lenders sell debt. We build wealth.

We don't just help you buy a home — we help you build financial freedom. Here's what that looks like before, during, and after your transaction.

Before the transaction

Start smart

Most lenders start with paperwork. We start with you — feel prepared instead of pressured.

Dream & Goal Sessions
Your plan, your strategy.
Fully Underwritten Pre-Approvals
Win offers, close faster.
Cash Buyer Program
Make cash offers without the cash.
Rate Locking
Lock the best rate, at the right time.
During the transaction

Stay in the know

Stay connected with our Perfect Loan Process — no surprises, smoother closings.

48-Hour Updates
Always in the loop.
15-Day Closings
Fast, smooth, stress-free.
VIP Approval
Less paperwork, no surprises.
Buyer Tools
Equity plan, gifting programs, smooth processing.
After the transaction

Keep building

We stay connected after closing to help you build wealth and make smart financial decisions.

Ratewatch Reports
Refi and savings alerts.
Equity Monitoring
Track & use equity to grow wealth.
Transition Planning
Next home, investment, or strategy — guided.
Credit & Score Tracking
Keep improving long after you close.
Your mortgage under management

A mortgage that evolves with your life.

As your life changes, the way you manage your real estate and mortgage should change with it.

Protection

Always have the best loan and the appropriate level of insurance for you.

Financial planning

Your mortgage strategy evolves as your life does.

Generational wealth

A plan to keep building wealth for your family.

Real estate planning

The information you need to make confident real estate decisions.

Debt management

Leverage debt to your advantage — we reach out when savings opportunities appear.

Home concierge service

Everything you need to maintain and maximize your home's value.

Ongoing tools

Long after closing, we're still working for you.

Monthly real estate digests

Stay informed on the value of your home at all times.

Annual financial reviews

Achieve your real estate goals today and forever.

NEO Experience app

Monitor and optimize your financial health, anytime.

Ready to try the NEO Experience app yourself?

Sign up free and start monitoring your financial health today.

Sign up for NEO Experience

Ready for a lender that builds wealth, not just debt?

Let's talk about your plan — before, during, and long after closing.

Talk to the team
Leadership · new chapter

The team behind every file.

The Insight Team's #1-in-Orange-County, top-25-nationwide ranking was built under founding leader Ryan Grant — now NEO Home Loans' founder & CEO. Ryan Grant has since passed the baton to Ryan Broughton, who leads the team today.

Current Team Leader

Ryan Broughton

Branch Manager & Team Leader, The Insight Team

The Insight Team's #1-in-Orange-County, top-25-nationwide track record was built by founding leader Ryan Grant over 17+ years — a legacy that continues today under Ryan Broughton, who took over team leadership as Ryan Grant moved into his role as founder & CEO of NEO Home Loans.

With more than two decades in mortgage lending himself, Ryan Broughton now sets the systems and standards that keep every client's file moving — from first call to closing table — carrying forward the same team-first approach.

His focus as leader: clients never feel like a file number. Every specialist on the team reports to a standard he set personally — real numbers, straight answers, and someone who picks up the phone.

NMLS #387870 20+ years in lending Licensed in 6 states Visit RyanBroughton.com →
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Founding leader: Ryan Grant
Ryan Grant built The Insight Team into the #1 mortgage team in Orange County over 17+ years, and now leads NEO Home Loans nationally as its founder & CEO.
The specialists

Every file, a full team.

Loan officers, processors, and client coordinators — each an expert in their part of the process.

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Want to talk to Ryan directly?

As team leader, Ryan is always reachable for complex scenarios and partner questions.

Contact the team
Contact

Let's run your numbers.

Call, write, or send the form — you'll always talk to a person on this team.

Office3349 Michelson Dr, Suite 200
Irvine, CA 92612
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Expect a call or email from the team within one business day.

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