Need a mortgage? Start with Rick.
A mortgage is too important to guess. I help you understand where you stand, compare your options and the trade-offs, and make your move with confidence. Talk with me first, apply when you're ready.
Choose your path
Not sure where to start? Pick the situation that fits best.
Know your payment, your cash needed, and your loan options before you fall in love with a house. Let me walk you through it.
Flexible credit guidelines and less cash needed up front. I'll help you see if FHA fits, and how it stacks up against your other options.
I help veterans, service members, and eligible surviving spouses in Zionsville, IN use their VA benefit with a clear plan for cash-to-close, seller-paid costs, and a strong offer.
Take the quick quiz. No application, no credit pull. We point you to the best next step.
How I work
Here's the thing. You can get a mortgage from a lot of places. Most of them start with how much you qualify for. I start with a different question: what are you trying to accomplish? A bigger house, a smaller payment, more cash in the bank, a rental property, your next chapter? Once I know that, the right loan gets a lot easier to see.
That's my Track Position Strategy. We look at where you stand today, lay your options side by side, and talk through what each one means for your payment, your cash and your long-term plan. You get someone helping you think through the decision, not just process the loan. And when it's time to move, I stay in touch with you and your real estate agent every week until you're at the closing table.
Tell me what you're trying to accomplish. I'll ask about your goals, your timeline and your comfort zone. No pressure and no application needed to talk.
I'll show you where you stand and walk you through your options and the trade-offs: payment, cash needed and how each choice fits your bigger plan.
Pick the path that fits. I'll get you a solid pre-approval, keep you and your agent updated every week, and watch for problems before they become surprises.
Meet your loan officer
You'll work directly with Rick
What I offer
I work with a wide range of loan programs so I can match the right product to your situation.
Know your payment, your cash needed, and your loan options before you fall in love with a house. Let me walk you through it.
Flexible credit guidelines and less cash needed up front. I'll help you see if FHA fits, and how it stacks up against your other options.
I help veterans, service members, and eligible surviving spouses in Zionsville, IN use their VA benefit with a clear plan for cash-to-close, seller-paid costs, and a strong offer.
Solid credit and steady income? Let's see if a conventional loan fits your goals, and how it compares to your other options before you decide.
Buying in an eligible rural or suburban area? A USDA-guaranteed loan may reduce the cash you need up front. Let's find out if it fits.
Buying or refinancing above the conforming limit? I'll help you prepare early, compare your options, and make a big loan feel clear and manageable.
A mortgage that understands student loans, residency, and a job that starts after closing. Let me walk you through it.
Bank-statement, 1099, and P&L loans that look at how your business actually brings in money, not just the bottom line on your tax return.
I help Zionsville, IN investors figure out whether a property works as an investment, not just whether the loan gets approved.
I help Zionsville, IN buyers and owners find out early whether a non-warrantable condo can be financed, and what it will take.
Change your term, tap your equity, or move off FHA mortgage insurance. Let's compare the real numbers first, then you decide.
Home equity loans and HELOCs let you borrow against your equity while your current mortgage stays in place. Let's see if it fits your plan.
Found the right spot but not the right house? Let's see if a renovation loan fits, and how it compares to a HELOC or cash-out refinance before you decide.
A reduced payment for your first two years, often funded by the seller or builder. Let's see if it fits your plan.
Where I lend
Based in Zionsville. Licensed in Indiana & Kentucky.
Zionsville, IN is home — the market I know street by street and tax rate by tax rate. But you don't have to be down the road to work with me: I can originate your mortgage anywhere in all 2 states, and the whole process runs by phone, email, and secure online tools.
A mortgage is licensed by the state the property is in — not by how close you are to my office. Wherever you're buying in IN & KY, I can help.
See everywhere I serveTools and resources
Run the numbers yourself, or use these tools to get a head start before we talk.
Estimate your monthly mortgage payment with taxes and insurance.
See how much house you can afford based on your income and debts.
Calculate your savings and break-even timeline.
Compare the long-term costs of renting versus owning.