Welcome to my site,

Are you from the Indianapolis area? Do you like saving money on your mortgage? With our low closing costs and rates that’s just what we will do for you. Click on the link below to find more information about just what we will do for you and give me, Rick Ripma, a call at (317)284-0600 to get an estimate!

If you aren’t from the Indianapolis area feel free to stick around, learn a little bit more about mortgages from our video library, and have the upper hand when your getting your next mortgage!

Where to Begin?

Rick Ripma

Your Trusted Indiana Lender

Hard working isn't defined by the amount of time you spend "doing" something. To me, hard work means getting the job done. You work hard to provide for your family. I'll work hard to find you the best mortgage available. I'll put in the hours at the end of the day to get your home loan as quickly and easily as possible.

I’ll keep you informed every step of the way, won’t waste your time and I’ll get your home to the closing table as fast and painlessly as possible.

Hard Working Mortgage Guy Reviews

Really appreciate all your help and the great service you and your team have provided. We’re singing your praises here on our street – we’ll see who else we can send your way!

Sue F.

Thank you so much for your help! We are very glad we decided to refinance! We appreciate your help throughout the process, and will definitely pass on your name, and will call back in the future.

Joss and Nancy L.


Talk about a fantastic transaction. Everything went so smoothly, it's hard to believe!

Tom & Peg T

Rick's Blog

This week on Indy's Real Estate Gurus meet Chris Norwood, CFA, MPA, Senior Investment Advisory at Biechele Royce Advisors.

On June 22 Jeff Kucic, Kucic Associates Realty and I were on location at the Home-a-rama for our radio show Indy's Real Estate Gurus.

Hi, I’m Rick Ripma, Your Hard Working Mortgage Guy. My team and I help folks like you finance their homes in Indiana and Ohio...