The Niles Team
Bringing you closer to home.
The Niles Team of Cornerstone Home Lending is dedicated to expanding homeownership opportunities with honest guidance and simply remarkable service.
Securing a mortgage is one of the biggest milestones in most people’s lives. The Niles Team strives to simplify the process so their clients can enjoy their journey home. Backed by the team’s trusted insight, proactive updates, and clear communication, their customers understand their options and what to expect along the way. The team is 100% committed to on-time closings, and personally manages transactions in-house from start to finish. The Niles Team will also be there for their clients year after year, loan after loan.


We exist to use and improve upon our God-given talents to make a positive difference to the lives of our team members, customers, shareholders and the people who provide services to us.


The Niles Team offers more than 30 years of combined industry experience. Ryan is a consistent Top Producer and member of Cornerstone’s prestigious President’s Club. He is also well-known in the real estate community for his commitment to first-time homebuyers, and devotes most of his weekends teaching home-buying classes to future homeowners.


Certified Mortgage Consultant
NMLS 357455

Office: 206.521.6128
Cell: 206.949.4326
Efax: 1.866.833.1034

[email protected]


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A Millennial's Guide to Homeownership

Buying a Home

Selling Your House

When choosing a mortgage loan officer, trust is a key component. You want a lender who will honor their commitments, create a satisfying customer experience and recommend and provide loan products that meet your financing goals. I am readily accessible and committed to serving you and your needs. I aim to not only meet, but to exceed your expectations. I am a lender you can trust.
  • “The Niles Team is quick, thorough, prompt and always available for questions.”

    • Walter Hudson
  • “Ryan was extremely helpful with putting together different House [Analyses].”

    • Angela and Tim Coleman
  • “The Niles Team went the extra mile to meet the deadline goals and they were able to communicate after a 9-5 work schedule. They set out what the process would be and a time frame for when it would be done. They communicated clearly and responded to any question or comment promptly. They were friendly and did an overall terrific job.”

    • JC Harrington & Erika Hutchison
See all
  • “Ryan Niles was absolutely fantastic to work with and really made this whole process so seamless and easy for me (especially given this is my first experience buying.) I appreciate his patience, the collaboration with my Realtor and the overall professionalism and dedication to delivering exceptional customer service. I will be recommending Ryan to everyone and anyone who I hear is interested in buying a place.”

    • Amy Gottesman
  • “They cared about our story and we are so grateful for all the hard work. Thank you for making us feel like we were your only clients.”

    • Meghan Thorndike
  • “Great communication, which was frequent and informative.”

    • Aaron Birrell
  • “What did [I] like about [their] service? Quick responses and great communication.”

    • Patrick Payne
  • “The creative financing options that Ryan presented to us allowed us to find a home while staying within our budget. We really liked Ryan’s Total Cost Analysis online tool which helped us visualize our financing options.”

    • Ben Schneider
  • “Actually, there is not one thing we didn't like. We have already told a lot of our friends how awesome and easy this transaction was.”

    • Nancy McKelvie
  • “Ryan made us feel comfortable and confident in that we could afford to buy a home and respected our budget limit.”

    • Gunner Scott
  • “The team was upfront and genuine. They tried to make the process as painless as possible. Ryan always had quick responses to my questions and made sure I got everything I needed even in a short amount of time.”

    • Collin Sled
  • “Ryan made a potentially scary process go so smoothly. We’ll surely recommend him to your friends and family.”

    • Stacy H. and Benjy M.
  • “I really appreciated receiving the updates without having to ask for them.”

    • Cheryl Presleigh - Windermere
  • “My loan wasn’t the easiest case and I really appreciate all of the help that Ryan gave me through the process.”

    • Valerie Wonder
  • “What did you like about our services? Quick answers on a variety of options and clear communication about what we needed, and where we were in the process.”

    • Mark Flanders
  • “We liked the promptness as well as how things were explained to us. Everything was made very clear and we always knew what was expected of us. Plus, Ryan took very good car to make sure that we were doing what would be financially right for us. He never pushed us to take out a bigger loan and was always looking for ways to save us money.”

    • Kate and Peter Hutton
  • “Ryan is a very kind-hearted person and very passionate about his reaching his client's goal. Not knowing what to expect, he made the buying process very easy and stress-free. He was honest and very diligent when he said he would do something. He worked closely with my agent and me throughout the process. I would highly recommend him to everyone and anyone.”

    • Keomany Southichack
  • “Ryan is timely and an effective communicator. Very prompt responses from the entire team! The process was also very organized.”

    • Andrew Gabel
  • “Ryan... went the extra mile by returning our phone calls and emails at all times of day and night.”

    • Erika Hutchinson
  • “The Niles Team has solid knowledge of loan products for buyers combined with an established reputation in the industry to close on time. I wiill continue to recommend to family/friends.”

    • Josh Pemberton
  • "We were referred to The Niles Group by a coworker, who had both originated a new loan and refinanced with them previously. I really liked the analytics that I received early on. It was helpful to see when we were deciding our loan options and what we wanted to pay per month. Additionally, we appreciated that everyone responded quickly to e-mails and fully addressed our questions and concerns. ”

    • Sergey Bobkov and Joanne Wynstra
  • “Ryan... provided a high level of industry expertise with a personal touch that made a complicated and stressful process much easier to take on. As this was my first loan process, I greatly appreciated the time they took to walk me through it... I never felt out of the loop on how my loan was progressing.”

    • Lauren Powell, Bellevue WA
  • “As a first time home buyer, I couldn’t have asked for more in a Mortgage Consultant. Ryan explained everything and answered my questions so I had complete confidence in my decisions.”

    • Kelly, Seattle, WA
  • “Ryan and his team were always available and he returned my phone calls in a timely fashion. Ryan was always around to answer my questions and he is an excellent listener.”

    • Kate, Seattle, WA
  • “Ryan was very knowledgeable, helpful and friendly. Very quick to help as changes developed throughout the loan process. He has a very diligent work ethic and I would recommend him to anybody needing a professional in the industry.”

    • Andrew, Seattle, WA
  • “I appreciate all of your advice, hard work and time during my home buying process! There were so many pieces to the puzzle and it sometimes got to be overwhelming. However your help made it feel so easy and seamless. Thanks again.”

    • Van, Bellevue, WA
  • “I just wanted to say THANK YOU again for all your help buying my first home. It could not have gone smoother, and that was in large part attributable to you. Thanks so much.”

    • Adriane, Kirkland, WA
  • “As a first time homebuyer, Ryan provided me with the knowledge and support to make for a rewarding experience. I can’t thank him enough.”

    • Margaret, Seattle, WA
  • “As first time homebuyers, we appreciated that Ryan gave us clear explanations and communicated efficiently with us about our loan process. We liked the level of professionalism and were impressed by the quick responses to any questions we had. We also appreciated being kept up to date as out loan was being processed.”

    • Matt and Jessica, Seattle WA
  • “Great communication. I never had to ask for an update, they were always on top of it every step of the way. Very smooth process!”

    • Carrie Foley, Berkshire Hathaway Home Services Northwest Real Estate
  • “Timely, polite and always kept me informed.”

    • American Dream Real Estate
  • “Exceptional service! Very Impressed with the team's communication and personal weekly follow up.”

    • Rebecca Beaty
  • “After my first transaction with the Niles Team of Cornerstone, I was a convert. The difference that they made in the ease of completion of the transaction was huge. I have recommended them to many more clients since then, and each transaction justifies my admiration. I can always count on them to be pro-active in responding to the client, in keeping me informed of all progress and in making sure that the deal closes with no hitches. It is such a relief to know that I can count on The Niles Team to go above and beyond!”

    • Loretta Gilbane, Realtor | The Seattle Homes Group | Coldwell Banker Danforth
  • “As an industry leader, it is imperative that I surround myself with successful individuals who can provide the highest level of service and expertise to my clients. Over the past 10 years, Ryan has earned my business by providing excellent service and products to all my clients. We currently have a 100 percent success rate of deals that close on time, which is very rare in the mortgage industry. I highly recommend Ryan to anyone wanting a red carpet financing experience or to any real estate professional looking to have a true business partner and take their business to the next level.”

    • Brad Cahill, Realtor, Northwest Group Real Estate (Top 10 Seattle Area Agent for 2010 in sales volume, 2010 Seattle Magazine 5 Star Award Recipient)
  • “The DiBello Group has entrusted their clients’ home financing needs to Ryan and The Niles Team for over seven years. Ryan and his team of dedicated processors and underwriters understand the complex nature of today’s home lending guidelines and are able to proactively anticipate and solve potential problems before they even surface. Their attention to detail and constant communication throughout the lending process truly sets The Niles Team apart in the industry. Our clients are consistently praising the competitive rates and broad range of loan products offered by Ryan, the quality of customer service exhibited by his entire team, and consummate professionalism. The DiBello Group has won in multiple offers solely because the buyer was being represented by Ryan Niles due to his stellar reputation in the industry. With The Niles Team, you’re not just getting an experienced loan officer, but an entire team of professionals working on the loan for a smooth lending process and timely closing… everything you expect from a loan officer in a real estate transaction. We wholeheartedly recommend Ryan and his team to our clients and colleagues.”

    • Samuel and Renee Dibello, Realtor, The Dibello Real Estate Group, Keller Williams
  • “I refer my clients to Ryan with absolute confidence! He is great at educating anyone about the process and their unique financial situation. Among the many services his team provides, he is one of the only mortgage advisors who truly looks at the entire financial picture; helping the home buyer understand the tax benefits and wealth building potential when purchasing a home.”

    • Rachel Adler, Realtor, Rarenorthwest, John L. Scott Inc.
About the Niles Team
Learn more about us and why we do what we do.
Explore our video library to learn more about the mortgage process and how we can help you.
Our Company
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