About Ryan

Ryan Zilly is a U.S. Navy veteran and Mortgage Advisor with Howard Team Home Loans powered by Lower LLC, helping eligible veterans, active-duty service members, military families, first-time homebuyers, and homeowners navigate the mortgage process with clear guidance and fast communication. Based in Tampa, Ryan specializes in VA home loan guidance for buyers and homeowners across Tampa Bay, Pasco County, Hillsborough County, Pinellas County, and surrounding Florida communities. He also serves clients in Virginia. As a veteran himself, Ryan understands how important it is for military buyers and Realtor partners to have a mortgage advisor who can explain VA loan options clearly, respond quickly, and help structure a strong path from pre-qualification to closing. Whether you are using your VA benefit, buying your first home, refinancing, or comparing mortgage options, Ryan’s goal is to make the process straightforward, practical, and less stressful. Clients and referral partners work with Ryan for straight answers, local guidance, and a teammate who is fully invested in helping them move forward with confidence. Ryan Zilly | Loan Officer | NMLS #2646767 | U.S. Navy Veteran | Veteran Mortgage Advisor | Howard Team Home Loans powered by Lower LLC | Serving Florida and Virginia

I am licensed in: FL, MD, VA