Stephen Rybak

NMLS# 71438

I am licensed in CA, CO, CT, DC, FL,


NJ, NY, PA, RI, TN, TX, VT, VA & WA.

About Stephen

For 20+ years, Stephen has specialized in residential mortgage financing. Since joining the GuardHill team in 2004, he has focused on more complex financing situations including trusts, LLCs, construction loans, and financing against illiquid assets [in addition to standard and jumbo financings]. Stephen has robust relationships with our network of financial advisors, business managers/CPAs, and realtors across many states, which allows for increased optionality for his clients.


Stephen’s aim is to provide transparency and enhanced accountability to his clients and partners in all of their interactions, whether they are weighing options or executing a transaction. He loves what he does, and prides himself on making the process as smooth and painless as possible.


He resides in New York with his wife and three children. Stephen still enjoys competing in and watching soccer (both EPL and U12), listening to live music, and spending time with his family at the beach.


“I can’t thank Steve and his amazing team enough for the quick turnaround. I thought selling and buying at the same time was the way to go. With the proper legal guidance, I was referred to GuardHill. They listened, understood and analyzed the process to see if they can meet expectations. The GuardHill team pulled it off within 30 days or less. Their underwriting team gathered the necessary information to provide the exact product I needed without any out of the norm contingencies. The professionalism and level of experience was very apparent since the first call we had. We are very grateful! We couldn’t have done this without Steve and team. Goodbye NYC…Suburbs here we come.”

Daniel B.

“Stephen and his team are simply the best. Through their patience, kindness and transparency, the Rybak team made our home buying process and easy one.”