Ryan Moss
Loan Officer | NMLS # 490816
Hi! I am Ryan Moss! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're in ... Show More
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Ryan is very communicative, looks ahead to solve problems proactively, and delivers funding ahead of schedule, every time. He is reliable and great to work with!
Reply from Ryan Moss
August 3rd, 2026 03:57 PM
Thank you for sharing your positive experience, Sean. I'm grateful to hear that my proactive approach and communication made the process smooth for you. If you have any future needs or questions, I'm here to help.
Ryan is personable, communicative, and knowledgeable
Reply from Ryan Moss
April 17th, 2026 05:04 PM
Thank you for your kind words, Thomas. I'm pleased to hear that you found me personable, communicative, and knowledgeable throughout your refinance process. If you have any more questions or need further assistance, please feel free to reach...
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Ryan was very accessible to me by phone, text and/or email. He always responded quickly to my inquiries. He was patient with me when I didn't understand something.
Reply from Ryan Moss
February 13th, 2026 02:06 PM
I'm glad to know you felt supported and found my communication accessible throughout the process, Katherine. I believe in being responsive and ensuring all your questions are addressed with patience. Thank you for placing your trust in me,...
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Very attentive and easy to get in contact with
Reply from Ryan Moss
February 9th, 2026 09:18 PM
I appreciate you sharing your thoughts, Jessica. Being attentive and accessible is important to me, and I'm glad that came through in your refinance experience. If you have any further questions or need assistance in the future, feel free to...
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Good service and clear communication that was timely. Appreciated the support of Ryan and will be back soon for another
Reply from Ryan Moss
December 15th, 2025 07:43 PM
I'm glad to hear that you appreciated the timely service and clear communication during your refinance process. It's always my aim to provide support that meets your needs. Thank you for sharing your experience, Franklin, and I look forward...
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You and all that assisted in my Heloc handled it efficen. You were very informative and you handled my transaction well and on tim. I appreciate all that you and everyone did to make my transaction successful.
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Reply from Ryan Moss
September 18th, 2025 02:12 PM
Thank you for your feedback, Patricia. I'm pleased to hear that you found the information I provided helpful and that your HELOC transaction was handled efficiently and on time. It's important to me to ensure that your experience is smooth...
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Ryan explains things well and he is honest
Reply from Ryan Moss
August 15th, 2025 02:26 PM
It's great to know that my explanations and honesty have stood out in your experience. I believe that clear communication and transparency are key to a successful refinance process. Thank you for taking the time to share your thoughts, Michael....
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Ryan does an outstanding job of being available, communicating and explaining in a way we understand. He is trustworthy and reliable. We would not use anyone else!
Reply from Ryan Moss
August 4th, 2025 05:50 PM
I'm truly pleased to hear that you found my communication and explanations clear and helpful. Being available and maintaining trust are incredibly important to me. Your confidence in my work means a lot, and I value your decision to continue...
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Ryan made the process go smoothly and was there to answer any questions or concerns that I had . Very easy to work with and there was a reason I have used Ryan multiple times and will look forward to working with him in the future .
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Reply from Ryan Moss
July 17th, 2025 07:54 PM
I'm glad to hear the process went smoothly and that I was able to address any questions you had. It's always rewarding to know that working with me has been a positive experience for you. I appreciate the trust you've placed in me over multiple...
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We have used Ryan several times over the years. Ryan is very knowledgeable and informative. He makes you feel comfortable throughout the process.
Reply from Ryan Moss
May 10th, 2025 05:27 PM
I'm thrilled to hear that you have had positive experiences with me over the years. It's my goal to ensure you feel informed and comfortable throughout the process. Thank you for your continued trust in my services.
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About
Hi! I am Ryan Moss! Welcome to my website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Golden Empire Mortgage you're in good hands and can have the peace of mind knowing we offer a wide variety of loan programs and most current rates available, together with the assistance of a seasoned customer support team.
Products & Services
Mortgage Loan Officer
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Time Zone
Pacific Standard Time (PST)
Licenses
- NMLS # 490816
Disclaimer
"Golden Empire Mortgage, Inc. (""GEM"") [NMLS ID No. 2427] is a California corporation whose principal business office is located at 1200 Discovery Drive, Ste. 300, Bakersfield, California 93309. GEM is a residential mortgage lender and servicer licensed by the Department of Business Oversight pursuant to the California Residential Mortgage Lending Act under license no. 413-0360. GEM conducts residential mortgage lending activities in the following additional states as follows:
Arizona: GEM conducts business in the state of Arizona as Golden Empire Mortgage, Inc. under Mortgage Bankers license no. 0906440 issued by the Arizona Department of Financial Institutions.
Colorado: GEM conducts business in the state of Colorado pursuant to a Mortgage Company Registration issued by the Colorado Division of Real Estate.
Oregon: GEM conducts business in the state of Oregon under Mortgage Lending License no. ML-2891 issued by the Division of Finance and Corporate Securities, Department of Consumer and Business Services.
Texas: GEM conducts business in the state of Texas as GEM Mortgage, Inc. pursuant to a Mortgage Bankers Registration issued by the Texas Department of Savings and Mortgage Lending. Notice to Texas Loan Applicants
Washington: GEM conducts business in the state of Washington under Consumer Loan Company License no. CL-2427 issued by the Washington Division of Consumer Services, Department of Financial Institutions."