The Niles Team

Niles Team

You matter to us!

You're not just a number to The Niles Team. We care about each and every client. We want to know what your goals are and how we can help you achieve them.

When you work with The Niles Team, you have access to the entire team! Each person plays a vital role in helping achieve a smooth process and on-time closing.

We're Accessible! CALL us seven days a week!


Or email us at [email protected]


Ryan Niles

Certified Mortgage Advisor
NMLS 357455
[email protected]

Ryan Niles: The Mortgage Professional Delivering Exceptional Service

Ryan Niles, a seasoned mortgage professional with over 18 years of experience, is more than just a mortgage advisor; he's a dedicated advocate for his clients. His journey in the world of mortgage lending began with a passion for service and a vision to transform lives through responsible homeownership.

An honors graduate from the University of Washington, Ryan holds a degree in business administration with a focus on finance and marketing. Since 1999, he has called the vibrant Seattle area home, immersing himself in the rich culinary, arts, and culture scene that this city has to offer.

But Ryan's dedication extends far beyond the classroom and local attractions. He is driven by a deep commitment to helping people achieve their homeownership dreams. As the founder of The Niles Team, he's spent years perfecting and studying the team's process, ensuring a red carpet experience for clients and a streamlined, worry-free transaction for referral partners.

Ryan's guiding principle is service with a heart, backed by an exceptional team. He and his team share a fierce passion for taking great care of their clients and making the mortgage process as seamless as possible. Home lending serves as their platform to positively transform lives and fulfill long-term goals through responsible homeownership.

Whether it's assisting a first-time homebuyer, optimizing home loan savings, or helping clients leverage their equity, Ryan offers comprehensive planning and education. He applies the knowledge he's gained over the years to find creative financing options that align with each client's unique needs. Ryan and his team collaborate closely to bring value and exceptional service to every transaction, transcending the boundaries of traditional business hours.

The Niles Team's commitment to service extends to its deep respect for clients' interests. They prioritize transparency and provide trusted insight, empowering customers to make confident, well-informed mortgage decisions.

Ryan's client-centric approach has not gone unnoticed. Review after review attests to the exceptional service he and his team deliver. One satisfied client shared, "Ryan and his team did a great job at keeping me informed and making sure that I had all my questions answered. They expedited the whole process of getting my mortgage approved and closing on the house, which was phenomenal! From the time that I found my townhouse to closing, it was three weeks!"

Another client mentioned, "I'm generally a very skeptical person when it comes to financial services but this team definitely has my trust and I will recommend them to anyone in the future." The high praise and trust in Ryan's team exemplify their dedication to their clients' needs and their commitment to delivering a truly personalized experience.

Ryan Niles doesn't just stop at the office. In his free time, he enjoys staying active with activities like working out, running in half marathons, hiking, playing basketball, and snow skiing. He's also an avid traveler, exploring the world whenever he can. However, his most cherished moments revolve around his family, spending quality time with his superhero wife, Kami, and sons, Grayson, and Lawson.

Ryan's commitment to community and education is evident in his consistent efforts to give back. He frequently teaches complimentary homebuyer classes to the public on weekends and specializes in down payment assistance programs for first-time homebuyers. His dedication and expertise have earned him numerous awards, including the Seattle Magazine Five Star Professional Award for nine consecutive years.

To Ryan Niles, homeownership is not just a transaction; it's a life-changing experience, and he's here to guide you every step of the way. His passion for helping clients find the right loan for their individual needs and introducing them to the unique benefits of homeownership remains his favorite part of the job.

In addition to his commitment to clients, Ryan is also passionate about Husky football and basketball, proudly cheering for the UW teams. His dedication to family, clients, and community make him not just a mortgage expert but a trusted partner on your homeownership journey. Go, Dawgs!


David Kirske

Mortgage Advisor
NMLS 1700629
[email protected]

David Kirske, Mortgage Advisor at Cornerstone Home Lending, started with The Niles Team in 2018 after Graduating from Gonzaga University with a Business Finance degree. David assist clients through the initial steps of obtaining a loan all the way through the process to ensure an seamless closing.

David was born and raised in Washington and spends his free time in the outdoors, skiing, paddle boarding, and traveling.


Jena Whitney

Production Associate
NMLS 1418958
[email protected]

Having graduated from Central Washington University with an Economics degree, Jena entered this exciting journey of joining the Cornerstone Home Lending family in 2015, committed to providing you with exceptional customer service. As a trusted partner, Jena collaborates closely with you throughout the prequalification process and beyond, meticulously organizing every detail to ensure a stress-free loan experience. Your peace of mind is our top priority.

Away from the professional realm, Jena finds joy in simple pleasures – from getting lost in the pages of a good book to exploring new horizons through travel and savoring precious moments with family.


Kami Otte

Senior Loan Processor
[email protected]

Kami has worn many hats since joining the mortgage industry in 1998. In her current role as the Niles Team's processor, she meticulously manages, verifies, and preps loan files for underwriting. Her sharp eye for detail, relentless work ethic, and tactical problem-solving contribute to the team's consistent delivery of smooth, on-time closings.

Outside of work, Kami devotes her spare time to her husband and keeping up with the many after-school activities of their four children! Kami also enjoys fixing up houses, cheering on her favorite football team, and exploring the great outdoors.

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