Ricardo: Your trusted mortgage advisor with 24 years experience securing optimal home financing solutions. Specializing in fixed and adjustable-rate mortgages, jumbo loans, and HELOCs. I expertly serve high-net-worth, self-employed, and lower-to-moderate-income borrowers. I provide personalized guidance throughout the loan process, leveraging cutting-edge digital tools for seamless online applications and real-time tracking. Explore mortgage resources or contact me today for expert assistance.