Smarter, Lower-Stress Home Financing with Rick Mortgage
Expert guidance with access to 150+ lenders. Specializing in Texas home financing, VA loans, and IRRRL refinancing.
Smart Mortgage Assistant
Tell us what you need, and we'll guide you to the perfect loan solution.
Mortgage Matchmaker
Answer a few quick questions and get personalized loan recommendations tailored to your unique situation.
Find Your Perfect Mortgage Match
Our intelligent quiz analyzes your goals, timeline, and financial situation to recommend the best loan options from 150+ lenders.
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Rick Mortgage
Mortgage Expert & VA Loan Specialist
With over 15 years of experience in mortgage lending, Rick Mortgage has helped thousands of Texas families achieve their homeownership dreams. Specializing in VA loans, IRRRL refinancing, and conventional mortgages, Rick brings unparalleled expertise and a commitment to finding the best loan solutions.
As a Texas mortgage specialist, Rick understands the unique challenges and opportunities in the Lone Star State's real estate market. His access to 150+ lenders ensures you get competitive rates and terms tailored to your situation.
The Rick Mortgage Show
Expert insights, market updates, and mortgage strategies delivered weekly.
VA Loan Secrets: What Lenders Won't Tell You
Discover hidden benefits that could save you thousands on your VA loan
First-Time Homebuyer Mistakes to Avoid
Learn the top 5 mistakes that cost buyers thousands in their first purchase
Refinance or Stay Put? The 2024 Guide
Find out if refinancing makes sense for your situation right now
Texas Homebuying: Market Insights
Get insider knowledge on Texas's unique mortgage landscape
IRRRL Explained: Streamline Your VA Loan
The fastest way to lower your VA loan payment with minimal paperwork
Credit Score Hacks for Better Rates
Simple strategies to boost your score and qualify for lower rates
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Why Choose Rick Mortgage?
Experience the difference of working with a mortgage expert who puts your needs first.
150+ Lenders Shopped For You
Access to an extensive network of lenders means we find you the most competitive rates and terms. We do the shopping so you don't have to.
VA & IRRRL Specialist
Dedicated expertise in VA loans and IRRRL refinancing. We honor your service by maximizing your benefits and streamlining the process.
Data-Driven Rate & Payment Analysis
Advanced tools and market insights ensure you get accurate projections and the best possible loan structure for your financial goals.
Clear, No-Pressure Communication
Transparent guidance every step of the way. We educate, not pressure. Your comfort and confidence are our top priorities.
Mortgage Tools & Calculators
Make informed decisions with our suite of free mortgage calculators and planning tools.
Payment Estimator
Calculate your monthly mortgage payment based on loan amount, interest rate, and term. Get instant estimates.
Open ToolAffordability Meter
Discover how much home you can afford based on your income, debts, and down payment.
Open ToolFHA vs Conventional Optimizer
Compare FHA and conventional loans side-by-side to see which option saves you more money.
Open ToolVA & IRRRL Savings Estimator
Calculate potential savings with VA loans or IRRRL refinancing. See your benefits in action.
Open ToolWhat Our Clients Say
Real stories from real people who achieved their homeownership dreams with Rick Mortgage.
Sarah & Michael Johnson
Houston, TX
"Rick made our first home purchase stress-free. He found us a rate we didn't think was possible and guided us through every step."
James Martinez
Austin, TX
"As a veteran, Rick's VA loan expertise was invaluable. He maximized my benefits and saved me thousands. Highly recommend!"
Emily Rodriguez
Dallas, TX
"Refinancing with Rick was seamless. He analyzed multiple options and found the perfect solution that lowered my payment by $400/month."
David & Lisa Chen
San Antonio, TX
"Rick's knowledge of the Texas market is unmatched. He helped us navigate a competitive market and close on our dream home."
Robert Thompson
Fort Worth, TX
"The IRRRL process was incredibly fast. Rick handled everything and I barely had to lift a finger. Saved me time and money."
Amanda Williams
Plano, TX
"Rick took the time to educate me on all my options. His patience and expertise made me feel confident in my decision."
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Get Your Personalized Mortgage Strategy Blueprint
Start your journey to homeownership or refinancing with a custom strategy designed for your unique situation.