2026-07-01T17:06:40.486Z

What a team! Thank you Ryan and Zac for getting it done.

2026-06-29T23:36:53.083Z

Creative 1st Mortgage made the process smooth from start to finish. Great communication, knowledgeable team, and they were always available to answer my questions. Highly recommend!

2026-06-11T18:44:34.380Z

Ryan genuinely puts his clients first. He takes the time to educate every home buyer, answers questions with patience, and makes sure people feel confident throughout the entire transaction. What stands out most is his commitment to communication and his willingness to go the extra mile to help clients achieve their homeownership goals. If you're looking for an amazing mortgage process in St. Petersburg, Ryan is the type of professional you want guiding you through it. His knowledge, integrity, and dedication make a real difference for the families he serves.

2026-06-11T18:26:33.169Z

We recently closed on our new home in St. Petersburg, and I can't say enough good things about our mortgage experience. From start to finish, the entire home buying process was smooth, organized, and stress-free.Buying a home can feel overwhelming, but our mortgage team took the time to explain every step in plain English and kept us updated throughout the process. We always knew what was needed, what came next, and where we stood with our loan.If you're looking for a mortgage in St. Petersburg, I highly recommend working with this team. Their communication, knowledge, and attention to detail made all the difference. They truly care about helping people achieve homeownership and making the home buying process as easy as possible.Thank you for helping us get to the closing table and into our new home!

2026-04-02T17:38:50.697Z

Ryan and his team were exceptional with qualifying our mutual client, communicating throughout the process, and reaching out directly to us if there were any needs which arose. Disclosures were prompt and accurate, and closing day was seamless! Give these guys a chance to prove their product and their service - you will be amazed! Lee Bybee, Wichita Falls TX

2026-04-02T14:57:43.974Z

2026-04-02T13:08:25.481Z

Big thank you to the mortgage broker team (Ryan Speltz, Zac and Sean) at Creative 1st Mortgage for making something happen that honestly didn’t feel easy as someone in the service industry.Being a tipped employee can make the home-buying process a lot more complicated, but they never once made it feel impossible. They worked tirelessly behind the scenes, stayed patient through every step, and went above and beyond to make sure everything came together.Let me further note, that ryan continued running rates the entire time, and got me to a fixed 5.9 interest rate. Every time he found a lower option, he locked me in. He never stopped running numbers until we got to the absolute lowest he thought I could get to.Because of their dedication, guidance, and persistence, I officially got my “clear to close”—and I couldn’t be more grateful. If you’re in the service industry like me and think buying a home is out of reach, trust me—it’s not with the right team in your corner. The feeling i felt when i saw that i made it to the finish line was indescribable.

2026-04-02T04:21:50.000Z

Big thank you to my incredible realtor Brianna Alfaro (she is a former service industry worker, and is motivated to help those of us still in the field) and the mortgage broker team (Ryan Speltz, Zac and Sean) at Creative 1st Mortgage for making something happen that honestly didn’t feel easy as someone in the service industry. Being a tipped employee can make the home-buying process a lot more complicated, but they never once made it feel impossible. They worked tirelessly behind the scenes, stayed patient through every step, and went above and beyond to make sure everything came together. Because of their dedication, guidance, and persistence, I officially got my “clear to close”—and I couldn’t be more grateful. If you’re in the service industry like me and think buying a home is out of reach, trust me—it’s not with the right team in your corner. The feeling i felt when i saw that i made it to the finish line was indescribable. Thank you all for believing in me and putting in the work to make this happen! When any of you are ready to buy, please reach out and let me link you up with these absolute professionals!!!