Two licenses. One starting point.
I’m a Michigan real estate agent with Real Broker and a licensed mortgage loan originator with Dynagen Lending. Buying, selling, or refinancing, you start with someone who can read the house and the loan in the same conversation. Point the compass at what you need.
Buy, sell, finance
Most people juggle an agent and a lender who have never spoken. I hold both licenses, so the price you offer and the loan behind it can be worked out together — and you’re free to use me for either one on its own.
Buying a home
Live MLS search across Metro Detroit, tours, and offer strategy — with your financing matched to the price you’re writing.
Search homesSelling a home
A valuation, a prep plan, and pricing — plus a clear read on what your next purchase looks like before you list.
What’s my home worth?Financing & refinancing
Purchase, refinance, and equity strategy through a wholesale broker model — access to 30+ lenders instead of one bank’s rate sheet.
Run your numbersStart where you actually are
Buying a house
First house, next house, or one you will rent out: what you need in cash, what the payment really costs, and the Michigan tax trap that catches buyers.
Getting a house ready to sell
The eight-week prep checklist I work through with sellers, including the Michigan paperwork that catches people out.
Refinancing or tapping equity
Run the numbers before you commit. Rate-and-term, cash-out, HELOC, or leaving it alone — the math decides.
Advisors & agents
Referral partnerships built to protect your client relationship, not compete with it.
Getting your credit mortgage-ready
What actually moves a score, what it costs you on a mortgage, and the fastest honest ways up from the 500s and 600s — with a quick score estimator.
Ryan Rybarczyk
I’m a licensed real estate salesperson with Real Broker LLC and a licensed mortgage loan originator with Dynagen Lending LLC, working with buyers, sellers, and homeowners in Southfield and across Metro Detroit.
I started on the real estate side, with Keller Williams and Sotheby’s International Realty in Palm Beach County, Florida, before moving into mortgage lending. Seeing a transaction from both chairs is why I hold both licenses now: the offer and the financing are really one decision, and they go better when someone is looking at both.
As a wholesale mortgage broker I’m not tied to one bank’s rate sheet — I can shop 30+ lender partners for the program that fits. And I’ll tell you plainly when the numbers say wait.
Separately, I’m the founder of Alira Corp, which builds investment research software for financial advisors. It’s its own company and isn’t part of my real estate or mortgage work.
Run your own numbers first
Three questions worth answering before you talk to anyone: what a refinance would actually do, what the house has built for you, and what you can buy. No pressure attached to any of them.
Reports are prepared by myhomeiq
What people ask first
Can you be both my real estate agent and my loan officer?
I hold both licenses: I'm a Michigan real estate salesperson with Real Broker LLC and a mortgage loan originator with Dynagen Lending LLC. You're never required to use one to get the other. You can have me as your agent and finance with any lender, or finance with me and work with any agent. If you'd like me in both roles on the same purchase, I'll walk you through how each role works and how I'm paid for each before you decide.
Where can I search homes for sale?
My listing search is at aliradetroit.com. It's a live MLS search covering Metro Detroit and the rest of Michigan, updated daily, and you can save searches and get alerts there.
What areas do you serve?
Southfield and the greater Metro Detroit area, including Birmingham, Royal Oak, West Bloomfield, and Detroit. My real estate license covers all of Michigan. For mortgages, the states I can lend in are listed on my NMLS Consumer Access record.
What's the difference between pre-qualification and pre-approval?
A pre-qualification is based on what you tell a lender. It's quick and it's a good first filter. A pre-approval means your income, assets, and credit have actually been reviewed, and it's the letter you shop and make offers with. Get one before you tour, not after you find the house.
What does it cost to talk to you?
Nothing. A 15-minute call is free and comes with no obligation. Bring a scenario and we'll run the numbers, whether or not it ends with working together.
How can I verify your licenses?
Look up NMLS #2849572 on NMLS Consumer Access for my mortgage license, and license #6501410900 on Michigan LARA's license lookup for my real estate license.
What is Alira Corp?
Alira Corp is a separate company I founded. It builds investment research software for financial advisors. It isn't part of my real estate or mortgage work, and it isn't affiliated with Real Broker LLC or Dynagen Lending LLC.
Let's figure out your options
Fifteen minutes, no pitch. Bring a scenario and we'll run the numbers — whether or not it ends with working together.