Modesto & the Central Valley

Your Trusted Partner for Smart Loan Solutions

Whether you’re buying your dream home, refinancing for better rates, or consolidating debt to regain financial control, we guide you at every step — with personalized service, transparent advice, and a commitment to your goals.

5.0★★★★★30 Google reviews
Joseph Diryawush, Senior Loan Officer
Joseph DiryawushSenior Loan OfficerNMLS #2371765+1 (209) 541-5876
Joseph Diryawush
Senior Loan Officer

Meet the Team

Joseph Diryawush, Your Senior Loan Officer

Joseph Diryawush NMLS #2371765

At Park Ridge Financial, Joseph Diryawush exemplifies what it means to be a trusted financial partner. With years of experience in the lending industry, Joseph is committed to helping individuals and families navigate their unique financial journeys with confidence and ease.

Joseph specializes in crafting personalized loan solutions tailored to your needs — whether you’re stepping into homeownership, simplifying finances through debt consolidation, or lowering payments with a mortgage refinance. His dedication to expert guidance ensures every client feels supported and empowered through the entire process.

  • Home purchase
  • Refinance
  • Debt consolidation

Loan Programs

Find the Loan That Works for You

We offer a range of loan options tailored to your unique needs — purchasing, refinancing for better terms, or consolidating debt.

Home Equity Loans

Leverage the equity in your home for large expenses like renovations, debt consolidation, or major investments. A lump sum with fixed rates and predictable monthly payments.

Conventional Loans

Competitive interest rates, low down payment options, and fewer restrictions than government-backed loans — a popular choice for homebuyers and refinancers.

VA Loans

Exclusive to eligible veterans, active-duty service members, and their families: no down payment, competitive rates, and no private mortgage insurance (PMI).

FHA Loans

Designed for first-time buyers and those with lower credit scores: lower down payments and more lenient credit criteria, backed by the Federal Housing Administration.

Mobile Home Loans

Specialized financing for manufactured and mobile homes — purchase, refinance, or place a home on owned or leased land, with flexible terms.

Hard Money Loans

Short-term, asset-based financing for investors and fast funding needs. Approval is based mainly on property value — ideal for fix-and-flips or unconventional properties.

Mortgage Calculator

Estimate Your Monthly Payment

Adjust the numbers to see how price, down payment, rate and term affect your monthly payment.

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Loan term

Property tax starts at about 1.1% of the price and updates with it until you edit it. PMI applies only when the down payment is under 20%.

Estimated monthly payment

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    Loan amount
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    Estimates only. Not a loan offer or commitment to lend. Actual rate, payment and terms depend on credit, property and program. Contact us for a personalized quote.

    How It Works

    Getting Started Is Easy

    Our team guides you every step of the way — from the first conversation to approval.

    1. 01

      Initial Consultation

      Let’s discuss your financial goals and needs. We’ll listen carefully and give personalized recommendations to get you started.

    2. 02

      Explore Your Options

      We present tailored loan solutions designed for your unique circumstances, so you can choose the one that fits best.

    3. 03

      Submit Your Application

      Our straightforward process lets you submit all required information quickly and securely.

    4. 04

      Quick Approval Process

      Sit back while we review your application. We pride ourselves on fast, efficient approvals to keep your plans on track.

    Client Stories

    What Our Clients Say

    5.0★★★★★30 Google reviews
    ★★★★★

    We recently purchased a home and we could not have done it without Monica and Joseph. From the beginning to the closing day, they guided us through every step of the process with professionalism and patience. Monica was amazing. Since we were not familiar with the area, she took the time to show us different neighborhoods and find communities that were a good fit for our family needs. She really listened and understood what was most important to us. I never felt rushed or pressured she was patient and always willing to answer our questions. Joseph explained every part of the process. His communication gave us peace of mind. I believe Monica and Joseph truly care about their clients and they make a great team.

    AAna TorresGoogle review
    ★★★★★

    Joseph was incredibly professional throughout the entire process. He carefully walked us through all of our financing options, explained everything clearly and made sure we understood what would work best for our situation. He truly had our best interests in mind every step of the way. He made the whole process feel smooth and manageable. We are grateful for his dedication and commitment to helping us achieve our goal of becoming homeowners.

    MMaristela RegatilloGoogle review
    ★★★★★

    After wanting to buy a home for many years, I, finally, took the leap this year to buy one. And, with the help of Joseph, my family and I were able to obtain our forever home. At first, I thought it would be difficult and/or near impossible for me to purchase a home but with the help of Joseph, I was able to do so! Naturally, it took time and patience but Joseph was very reassuring and helpful throughout the whole thing. He answered all of our questions and was always available to communicate with for updates. He even talked with me about any worries I had. He was very helpful and we are very thankful for him helping us out. He is amazing to work with and someone I would recommend for anyone buying a home, first time or not!

    GGloria LopezGoogle review
    ★★★★★

    Excellent service, clear communication, and a smooth loan process from beginning to end. Joseph was knowledgeable, responsive, and made buying a home stress-free. I couldn’t be happier with the experience and would recommend them to anyone looking for a home loan!

    JJonathan RodriguezGoogle review
    ★★★★★

    Buying our home was one of the biggest milestones in our lives, and I truly couldn’t have asked for a better realtor (Monica) and lender (Joseph) to guide us through it. From day one, Monica and Joseph treated us like more than just clients they genuinely cared about helping us every step of the way.

    There were plenty of questions and moments where we needed reassurance, and they were always just a phone call or text away. They took the time to explain everything, kept us informed throughout the process, and made what could have been a stressful experience feel exciting!

    Thanks to their hard work, dedication, and constant support, we were able to close on our home with confidence. We are beyond grateful for everything they did for our family and will always recommend them to anyone looking to buy a home. Thank you for making our dream of becoming homeowners come true—we couldn’t have done it without you! Thank you again Monica and Joseph

    HHugo GuerreroGoogle review

    Get in Touch

    Let’s Start Your Financial Journey

    Have questions or ready to get pre-qualified? Fill out the form and we’ll get back to you promptly.

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