Rick has been in the mortgage industry since 1999. He has a passion for providing exceptional customer service and he takes time to understand his clients’ needs in order to find the best mortgage solution.
From first-time home-buyers to investors to homebuilders, he treats each transaction as if it were his own, always keeping his clients’ best interest as his top priority. He has been recognized as a nominee for the Shared Success Excellence Award for exceptional customer service and was a recipient of the President’s Club Award multiple years for mortgage production. Additionally, he has had the experience of managing a successful team of loan originators which created an exceptional reputation amongst the real estate community.
Rick graduated Magna Cum Laude from The Florida State University with a Bachelor of Arts in Criminal Justice and in Business Administration Studies. He is also a D1 Athletic Scholarship recipient.
In his free time he enjoys cross-fit, the beach, spending quality time with his family, and everything else Florida has to offer. Without hesitation, when asked what he enjoys the most in his career? His immediate response is, “the joy my clients get when they close on their home and their complete SATISFACTION”.
Please note: You will be taken to an application page that will require you to create an account if you have not created one already.
If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.
Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.
It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses.