Ryan Baril

VP, CAPITALPlus Mortgage

Ryan Baril is the Vice President of CAPITALPlus Mortgage, a boutique mortgage origination and underwriting company founded in 2001. Ryan has been educating consumers about the mortgage process and general finance for almost 20 years. He graduated from the University of Central Florida in 2012 with a B.S.B.A. in Marketing.

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Co-authored Articles (8)

How to

Add Someone to Your Mortgage

Many people wish to add someone to their mortgage with a major life change, most commonly marriage. If you and your spouse (or partner, parent, child, or friend) are living together and sharing the rest of your expenses,...

How to

Calculate Mortgage Interest

The interest on a loan is the amount of money you pay to a lender in addition to your principal (the amount that you borrowed). Interest is typically provided as a percentage, such that the interest rate is a given fract...

How to

Talk to Mortgage Lenders

It can be challenging to speak to a mortgage lender if you do not know what points to bring up or questions to ask. You should prepare to speak to mortgage executives at different types of institutions, such as a bank, a...

How to

Start a Mortgage Company

A mortgage is a specific type of debt taken on by people buying real estate. A mortgage company can work as an intermediary between individuals and banks secure mortgages for their clients. Such companies work with a va...

How to

Get a Loan With Western Union

Western Union is a popular money transfer service in the United States. Though it does not offer loans directly, it partners with Check Into Cash, a loan service. After receiving a loan through Check Into Cash, you can g...

How to

Assume a Car Loan

Both car owners and potential buyers can benefit from assuming a car loan. Buyers who are unable to make payments can find someone else who can. Potential buyers can get a car without having to make a down payment or pay...

How to

Process Loans

As a loan processor, you put together information about a borrower and organize it in a neat package so the underwriter can evaluate and approve the requested mortgage. You'll open the loan file, verify the borrower's in...

How to

Get a Spec Loan for Construction

A “spec loan” is just an industry term for a loan on a speculative property—one the developer hasn’t already sold. Since the sale isn’t already arranged, the loan is “speculative.” If you’re trying to fin...