Michael Rybak
Mortgage Loan Officer
A little about me...
As a loan officer, my top priority is making sure every client feels supported, informed, and confident throughout the mortgage process. I take pride in providing personalized service and finding practical solutions tailored to each customer’s unique needs.
I’m known for being honest, reliable, and detail-oriented—with a strong problem-solving mindset and a quick response time. I take the time to listen carefully, explain each step clearly, and guide my clients through the loan process so the experience is as smooth and stress-free as possible.
I’ve spent many years in the mortgage industry, with a unique detour during the last economic recession when I transitioned into the social services field. That experience strengthened my ability to work with people from diverse backgrounds, navigate complex situations, and help individuals overcome challenges and move toward self-sufficiency. A few years later, I returned to the mortgage industry, where I truly enjoy helping clients achieve their homeownership and financing goals.
NMLS #2101639
What I specialize In
Let’s work together to find the right solution for your unique needs and create a smooth path forward.
NO OBLIGATIONS
Request a Consultation
It all starts with a conversation
"Every homebuyer deserves a loan that makes sense today and tomorrow."
-Michael Rybak
My professional background includes a law degree, multiple leadership roles in both the public and private sectors, and experience as a licensed mortgage loan originator. In addition, I serve as an associate pastor at a local church in Tacoma, which keeps community service at the center of everything I do.
Outside of work, my wife and I are raising our family of four—three sons and one daughter. I enjoy spending time with my family and serving others in the local community whenever I can.
I’d love the opportunity to work with you and help you navigate the home loan process with confidence. Please reach out today—I look forward to assisting you with all your mortgage lending needs.
A Thoughtful Approach to Home Financing
Applying for a mortgage is one of the most important financial decisions you’ll make. That’s why this process focuses on education, transparency, and guidance, so you can move forward with confidence.
If you’re exploring homeownership or considering your next step, starting the conversation early can help clarify your options and timeline.
Estimate Your Monthly Payment With Our Mortgage Calculator
Use our mortgage calculator to get a quick estimate of your monthly payment based on price, down payment, and loan terms. While it’s a helpful starting point, your actual options may vary.
For the most accurate numbers and guidance, a quick conversation can make all the difference.
Helping You Finance the Home That Fits Your Life
Whether you’re buying your first home, upgrading, or refinancing, having the right mortgage matters. Michael specializes in traditional mortgage solutions designed to support long-term stability, affordability, and smart financial planning.
The goal is to make the process clear, straightforward, and aligned with your personal and financial goals — not rushed or confusing.
Mortgage Features
-
Competitive interest rates based on market conditions
-
Fixed-rate and adjustable-rate mortgage options
-
Options for first-time homebuyers and repeat buyers
-
Refinancing solutions to lower payments or adjust loan terms
-
Guidance through every step of the loan process
-
Clear explanations with no unnecessary pressure
Basic Requirements To Apply
While every loan is unique, most mortgage applications typically require:
-
Proof of income (pay stubs, W-2s, or tax returns)
-
Employment history
-
Credit history review
-
Funds available for down payment and closing costs
-
Property information (for purchases or refinances)
-
Government-issued ID
Non-Qualified Options
I believe your homeownership journey should be as individual as you are. Say goodbye to the one-size-fits-all approach! Our Non-QM (Non-Qualified Mortgage) and non-conforming programs are the game-changer you've been searching for—exceptional alternatives to standard loan options that may not quite match your current situation.
Borrowers with:
-
No W-2
-
No tax returns
-
1099s
-
Bankruptcy, foreclosure, short sale, forbearance, or deed-in-lieu
-
No Social Security number
-
No proof of employment
-
No income
-
Significant assets
Client Profiles:
-
Self-employed
-
Business owners
-
Recent credit events
-
Financially affected by COVID-19
-
Jumbo borrowers
-
LLC owners
-
Works outside US
-
Property investors
Get expert advice from a local and friendly company.
CONTACT ME
ADDRESS
OFFICE HOURS
PHONE
1804 W Union Ave, Suite 202, Tacoma, WA 98405
Monday to Friday
9:00 am - 5:00 pm
253-359-5889