
When Ricardo Gonzalez began his banking career in 2014, he took a service mindset with every client interaction. Today, he uses a people-first approach, coupled with the knowledge he's gained over the years, to help clients navigate the emotions that come with financing a home purchase. He strives to make the process exciting and effortless, so his clients can fully enjoy achieving one of life's greatest goals: homeownership. He's also fluent in Spanish, allowing him to serve clients in the dialect they're most comfortable with.
His personal philosophy—to make the most of all the time you have—drives him to give people a smile whenever he can. Whether it's opening a door for someone or taking the time to talk with a friend, he believes that little things have the power to make the world a better place. This approach has earned him professional accolades, including three Banner's Best awards.
Ready to start your homebuying journey? Give Ricardo a call today.
- The Affordable Mortgage Program (AMP) can help you buy or refinance a home by offering ways to reduce your down payment, closing costs and more.
- Becoming a well-informed buyer is important in the lending process. Our residential loan officers are here to help educate you on issues relating to homeownership through seminars and workshops.
- Want to buy a house, but not sure if the time is right for you? Our Mortgage Banking Director shares his perspective on timing your home purchase.
- Purchase
- Refinance
- Cash-out Refinance
- Down Payment Assistance
- Pre-qualification
- Pre-approval
- Mortgage Rates
- Fixed Rate Loans
- Adjustable Rate Loans
- Vacation/Second Homes
- Investment Properties
- Land Loans
- Home Equity Line of Credit (HELOC)
- Community Land Trust
- Mortgage CalculatorEnter your loan amount and interest rate to calculate your estimated monthly payment.
- Rent vs. Buy a HomeThe decision to buy a home is an important one. Our Rent vs. Buy Calculator helps you weigh your options.
- 15 vs. 30 Year MortgagePaying less interest vs. having a lower monthly payment. There’s much to consider when it comes to the length of your loan.
- Mortgage RefinanceInterest rates are just one factor in determining if a refinance is right for you.