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I'm Rick Pena
Mortgage Loan Officer

NMLS#: 1986779

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Hello, welcome to my page.

Over the course of my career, I have sharpened my skills working a $300M portfolio with some of the most recognizable Fortune 500 companies. My work often consists of navigating market conditions and identifying creative solutions in a otherwise static market. Additionally, I’m proud to share I was able to help clients restructure their mortgages and keep their homes that were affected by the subprime mortgage crisis. As an experienced professional in a fast-paced and ever evolving world, it is crucial to have someone on your side that you can rely on.

As a Mortgage Broker, many people ask, “what makes us better than their bank or credit union.” In a word it’s “options”, whether you’re buying, selling, refinancing, or building your dream home, you want to make sure you are getting the best terms for what may be the largest purchase of your life. As a fiduciary who has a legal responsibility to present the best financial choices for our clients, it’s important to know we work with many different lenders to identify the top options and terms for you.

My commitment to you is ensuring that we identify the right fit for you and your family, together. Please take some time to browse our website, check out the different loan programs, use our decision-making tools and calculators, and utilize our secure online application to get started. After you have applied, We will reach out to discuss the details of your loan and available options. Thank you for putting your trust in us.

All-in-One Solution

Our Loan Process...


A loan pre-approval sets you up for a smooth home buying experience.


Start working with a real estate agent and viewing homes.


A few documents are needed to get a loan file through underwriting.


Assemble all the necessary paperwork and details for the underwriter.


They closely evaluate all the documentation in the loan package.


Documents are drawn and sent to the title company for closing.

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