Seasoned mortgage professional with 16+ years guiding clients to optimal home financing solutions. As a Certified Veteran Loan Specialist (CVLS), Certified Military Housing Specialist (CHMS), and Certified Residential Mortgage Specialist (CRMS), I possess deep expertise across diverse loan programs. From first-time homebuyers and veterans to jumbo loans, renovation financing, and reverse mortgages, I tailor solutions to your unique needs. President of the National Association of Mortgage Professionals (NAMP). Massachusetts Licensed Lender & Broker MC2668, licensed by the New Hampshire banking department. Visit rickmortgage.com for disclosures.