The Katalyst Team at ETHOS Lending

Your Wealth Plan.
Accelerated.

Most lenders find you a rate. We engineer a mortgage strategy around your entire financial future.

What Happens Next

Three Steps. Zero Pressure.

1

Book a Free Strategy Call

15 minutes. No obligation. We'll listen to your goals and see if we can help.

2

Get Your Custom Plan

We'll map out a mortgage strategy built around your financial picture, not just a rate quote.

3

Move Forward With Confidence

Ready now or planning ahead, you'll know exactly where you stand.

What Makes Us Different

The Financial Planning
Approach to Lending

While other lenders compete on rate, we compete on outcomes. Every mortgage we structure is designed to accelerate your long-term wealth.

Strategy Over Rate Shopping

Your mortgage is the most powerful financial tool you'll ever hold. We don't just find a rate. We structure financing to accelerate your path to financial freedom.

Your Full Financial Picture

We evaluate every mortgage decision in context: income trajectory, investments, tax situation, retirement timeline, real estate goals. This is the Financial Planning Approach, and it's why families return for their 2nd, 3rd, and 4th transactions.

Battle-Tested Strategies

100+ real estate projects. Thousands of families served across every market condition. Our calculators exist because we USE these strategies daily.

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Years Experience

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Families Served

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States Licensed

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Star Reviews

Members of The Katalyst Team Have Been Featured In

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The Katalyst Calculator Suite

Other lenders give you a rate quote.
We give you a strategic toolkit.

Strategic calculators built around the approach we use with every client. Find the one that fits your situation.

Meet Your Mortgage Advisor

Your Strategy Starts With the Right Partner

An experienced professional who treats your financial future like their own.

Ryan Prisco

Ryan Prisco

Mortgage Advisor

NMLS #987736

With 26 years of experience in the mortgage industry, Ryan Prisco is a trusted advisor specializing in forward, reverse, second home and investment property loans.

Read more →

Client Wins

Thousands of Families.
Here's What They Say.

I can't say enough good things about our experience. He walked us through every single step, explained any questions we had, and truly made buying our first home much less stressful than we expected. We will be recommending him to EVERYONE we know.

VG

Valerie G.

Arlington, TX · August 2022

  • Working with Ryan on my mortgage was one of the best decisions I made. He explained everything clearly, stayed on top of every detail, and made the entire process feel smooth and stress-free. Anytime I had a question, he responded quickly and thoroughly.

    AK

    Aida K.

    California · April 2026

  • Ryan was phenomenal to work with! He was super knowledgeable, very communicative, and helped us wrangle some of the other less communicative parties in this transaction. He's the best!

    RL

    Rachel L.

    Rancho Mission Viejo, CA · April 2025

  • Ryan's the best! Responded to all my questions and concerns at all hours of the day. Made sure the transaction was handled in a timely manner with the least amount of stress as possible.

    MH

    Morgan H.

    Murfreesboro, TN · April 2024

  • I've been doing business with Ryan for many years. He's always maintained an exceptionally high level of customer service, integrity, and honesty. He's consistently responsive and available to answer questions. When I have detailed questions he takes the time to explain everything thoroughly.

    KH

    Keri H.

    California · February 2026

  • Ryan was available every step of the way, as promised. He made the process simple and understandable. Ryan was respectful of my work commitments and was often available before or after work hours just to answer a quick text. I could not have asked for a better experience.

    MA

    Maria A.

    California · November 2023

  • Ryan takes pride in forming a long term relationship with his customers and truly understands their needs. He's gone above and beyond to help me understand how a refi could help me eliminate debt and stay at the same payment in a conventional loan.

    SM

    Sarah M.

    Vista, CA · October 2021

  • I have been working with Ryan for a few years now and he has always been constant with making my clients feel satisfied. He is extremely knowledgeable and so wonderful with communicating throughout the entire process from application to close!

    DT

    Dina T.

    Carlsbad, CA · November 2021

  • A true professional. He helped us navigate the process in a timely manner. He is honest, fast, thorough, and looking out for your best interest.

    GS

    Grace S.

    Huntington Beach, CA · April 2024

  • We have worked with Ryan on several transactions and have always had a great experience. He is knowledgeable and always willing to go above and beyond. We would highly recommend Ryan to all our friends and family!

    TS

    Troy S.

    Oceanside, CA · March 2022

  • The overall first time home buyers experience was a pleasure when dealing with Ryan. Any issues that arose he offered advice and assistance in any and every way he could. I would feel more than comfortable sending someone looking for mortgage assistance his way.

    AH

    Aron H.

    Boron, CA · June 2023

  • Ryan was always on top of everything and his communication was exceptional during the entire process!

    KW

    Kurt W.

    Pasadena, CA · November 2021

  • Ryan always responds to inquiries immediately, explains the process very thoroughly, is proactive with providing information, and basically makes the process very smooth. Thank you, Ryan!

    KLH

    Keri L. H.

    Rancho Cucamonga, CA · October 2024

  • Plain and simply Ryan made it GREAT. Communication is the key and he kept us well informed throughout the process.

    JM

    James M.

    Gilbert, AZ · October 2021

  • Ryan was super responsive, flexible and encouraging throughout the entire process.

    MH

    Melissa H.

    Grayson, GA · April 2022

  • Loved the communication level. No promises made that were not kept.

    ML

    Mary L.

    LaVerne, CA · October 2021

  • Working with Ryan was a wonderful experience, he was very helpful and patient with us. He explained everything along the way.

    OQ

    Ortensia Q.

    Sun Lakes, AZ · December 2021

  • Ryan was patient, walked me through the entire process, and kept me informed of any changes.

    CS

    Celia S.

    Montgomery, AL · October 2022

Individual results may vary. Testimonials reflect personal experiences and are not a guarantee of similar outcomes. All mortgage transactions are subject to credit and property approval.

Ryan's Weekly Insights

Rates, strategies, and market insights. Every week.

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