"As a first time homebuyer, the process was very smooth. Rick informed me pretty much about everything in the application process and was very easily accessible. He was courteous and provided a lot of clarity on what to expect."

"Worked with me from pre approval"

"Rick was undoubtedly the driving force behind my recent home purchase from one state to another. Back in July my rental lease was set to expire in September and I was so over paying the never ending increasing costs to rent. So I started skimming mortgage lenders, came across Rick’s company, started filling out the application and decided not to finish it. Because I didn’t want my phone ringing off the hook by 5 million different agents. Well, here comes Rick a-calling the next day. First best decision, that I’d made on my purchasing journey, was to hear Rick out. I told Rick, I don’t have a pot to piss in, (well, I didn’t say it quite like that), I don’t want to live in a shack and I want to live in Tennessee. He said okay and he’d do everything he could and than he did. He got me a loan that I could afford and he went above and beyond to keep me believing that I will never again have to pay any one else’s mortgage by renting. Rick was the voice that I needed to keep my spirit up, my patience refreshed and my belief strong that I was on the right path. Patience is helpful and none I have. Rick was my patience. He never left it up to me, lol, with my discouraging intrusive thoughts. Rick only had more homes to view, more areas to consider, more paths to explore. Guess what? On August 23rd, I closed on my home in an area of Tennessee that I absolutely love and it’s not a shack. Thanks Rick!"

"Rick was there to answer any questions we had and helped getting into apps that we didnt know anything about. He is very friendly and informative. I would not hesitate to recommend him to any looking to buy or refinancing a home. Rick worked with us every way possible. I thank him alot. Cheryl A Mickle"

"This guy right here is amazing! We went through a local lender and they said my credit was too bad to be on a home loan so they’d only use my husbands. We needed both incomes in order to get a house in my area so that didn't work. I saw this add pop up and wondered. He contacted me and helped me fill out forms over the phone. I was praying it wasn’t a scam as that’s a lot of info well.. he got it to where both incomes are on it and we had a higher limit than I could have dreamed about. It certainly was not a scam and we close on our perfect home in the next 2 weeks. Keep in mind we started this process August 31st. It has gone so fast and smoothly all thanks to him. Couldn’t ask for anyone better to help us on this exciting journey. Also.. he has answered all of my questions no matter how stupid they are in a very fast and honest manner 10/10 recommend"

"Rick has excellent communication skills! He kept us informed every step of the way. Every time I called him he answered. He also got the loan clear to close in record time! Very impressed. I would love to work together in the future!"

"Rick is hands down my new favorite person on earth!! My wife and I got strung along with another broker for our first home purchase. After feeling crushed when we had to back out of our first home offer because the other broker couldn’t actually do what he said he could, we met Rick through Facebook. Instantly he was off and running, told me exactly what we needed to do from the get go and made the entire process smooth as it could be. He answered all phone calls at all times or responded no later than a few hours. He even drove around checking on houses as we were moving into the same town he lived in from another state and basically gave us an honest opinion on each home and neighborhood. I literally could go on for hours about how awesome we were treated and not to mention he made sure WE CLOSED IN OUT FIRST HOME!! We move in next week and can’t wait and it wouldn’t have happened with out the help of Rick and his team!! Will definitely use Rick again for all my loan needs in the future!!"

"If you're a first-time homebuyer looking for a patient, knowledgeable, and incredibly flexible mortgage agent, look no further than Rick! From the very beginning, Rick made the entire process feel manageable. He was incredibly accommodating with my schedule, working around my busy days to answer questions and explain things in a way I could understand. There were times when the paperwork or terminology got confusing, but Rick never hesitated to break things down and make sure I was comfortable before moving forward. What truly impressed me was Rick's flexibility. The housing market can be unpredictable, and Rick was always willing to adjust his approach based on any new developments. He never made me feel pressured or rushed into any decisions, and he constantly offered guidance and support throughout the entire journey. Thanks to Rick's expertise and willingness to go the extra mile, I was able to navigate the homebuying process with confidence. I can't recommend him highly enough!"