THE RICK VEGA MORTGAGE TEAM
Home financing.
Handled personally.
The right loan from dozens of programs, backed by a fully underwritten pre-approval that starts with a soft credit check.
NMLS #1492084
Start here
Find your loan.
In about two minutes.
Tell us what you're looking to do and a few basics. Rick will come back with the programs and numbers that fit you.
- No impact to your credit score
- No cost and no obligation
- A real person follows up, usually the same day
Prefer to talk? Call (941) 500-4064 or schedule a call.
A pre-approval that holds up.
And a team that shows up.
Most pre-approvals are a quick credit pull and a guess. Ours are underwritten to your exact loan program before you ever make an offer.
Iron-clad pre-approval
Shop like a cash buyer.
We verify income, assets and credit up front, so sellers take your offer seriously and closing has no surprises.
No cost
Pre-approved for free.
No application fee to find out exactly where you stand.
Soft credit pull
Your score stays put.
We start with a soft check, so exploring your options never costs you points.
Broker advantage
Dozens of programs.
Not tied to one bank. We shop the market for the loan that fits you.
A real person
Not a call center.
Talk to Rick and his team directly, every step of the way.
The right loan.
Not just any loan.
Explore the programs we offer for buying, refinancing and investing.
Conventional Loans
Flexible terms and competitive rates for borrowers with good credit and steady income.
Learn more3.5% downFHA Loans
Government-insured financing with low down payments and flexible credit guidelines.
Learn more$0 downVA Loans
Earned benefits for veterans and service members, including no down payment.
Learn more$0 downUSDA Loans
Zero-down financing for eligible homes in rural and suburban areas.
Learn moreHigh balanceJumbo Loans
Financing for higher-priced homes above conforming loan limits.
Learn moreGrants & 2nd liensDown Payment Assistance
Programs that can cover part of your down payment or closing costs.
Learn moreRate & Term Refinance
Lower your rate, change your term or drop mortgage insurance.
Learn moreFHA & VA cash-outCash-Out Refinance
Turn your home equity into cash for renovations, debt payoff or investing.
Learn moreMinimal docsFHA Streamline
A faster FHA-to-FHA refinance with reduced paperwork.
Learn moreVeteransVA IRRRL
The VA streamline that lowers your rate with minimal hassle.
Learn moreKeep your rateHELOC & 2nd Mortgages
Access equity while keeping your current first mortgage rate.
Learn moreCalculatorShould I refinance?
Run the break-even math in seconds with our refinance calculator.
Learn moreDSCR Loans
Qualify using the property's rental income, not your tax returns.
Learn moreFast closingsFix & Flip
Short-term financing to buy, renovate and resell.
Learn moreSelf-employedBank Statement Loans
Self-employed? Qualify with 12 to 24 months of bank statements.
Learn moreNo SSN requiredITIN & Foreign National
Paths to ownership for borrowers without a traditional credit profile.
Learn moreOne-time closeConstruction & Rehab
Build new or renovate with one loan that covers the work.
Learn more5+ unitsCommercial & Multi-Unit
Apartment, mixed-use, SBA and multi-unit property financing.
Learn moreFixed Rate
One rate, one payment for the life of the loan.
Learn moreRate optionAdjustable Rate (ARM)
Lower intro rate that adjusts with the market.
Learn moreRate optionInterest Only Mortgage
Pay only interest for an initial period.
Learn moreRate optionGraduated Payment Mortgage
Payments that start low and rise on schedule.
Learn moreWhat would you pay?
Find out in seconds.
Slide the numbers to see your full monthly payment, including taxes, insurance and mortgage insurance.
Three steps.
Then the keys.
Tell us your goals
A few quick questions online or by phone. About two minutes, with no impact to your credit.
Get matched and approved
We compare programs and rates for you, then fully underwrite your pre-approval.
Close on time
Lock your rate. We coordinate with your agent, title and appraiser right up to closing day.
Meet your advisor
“Outstanding communication. No surprises. Close on time. And save you money whenever possible.”
With more than 25 years in business, real estate and mortgage lending, Rick leads a team that treats every client like family. As a broker powered by The One Brokerage, he shops a wide range of programs to find the one that fits you.
Don't take our word for it.
Take theirs.
Great company. Jumped through a lot of hoops to get us our dream home. Would highly recommend.
Stefanie B.Verified clientMr. Rick and his team are remarkable. Whenever I have a question or a situation that needs to be handled, without a doubt, Mr. Rick and his team finds a solution. I am grateful to have him a part of my team. I trust him and I believe that we can achieve anything we put our mind to when working together. I like to called him Uncle Rick because he's has become family. So if you are on the fence, don't be. Him and his team are the right agency for the job.
Best choice I ever made was having Rick and his team on MY side during my mortage process. Carol, a member of Rick's team was available every step of the way for questions or concerns. Communication with their clients is amazing. I knew every step of the way exactly what I needed to pay and when. No surprises.
I had a great experience working with Rick and his team! They made the whole process so much less stressful and were always there to answer my questions. They kept me updated every step of the way and explained everything in a way that was easy to understand. I really appreciated how patient, helpful, and easy they were to work with. I couldn't have asked for a better experience and would definitely recommend them to anyone buying a home!
Fantastic experience, Rick is very responsive and highly experienced.
Rick and his team were fantastic. They made the mortgage process very easy and understandable. I can't thank him and Sophia enough for all they did to ensure we closed on time. Thanks again!
Smarter moves.
Every week.
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We're here for you
Every step of the way.
Right in your pocket.
We understand the mortgage and refinance process can be stressful. Our app keeps your loan, your documents and Rick one tap away, with full transparency and clarity.
- Find out what you can afford
- Calculate your future mortgage
- Get pre-approved
- Upload loan documents
- Message your loan officer
Your dream home
is waiting.
Get pre-approved in minutes with no impact to your credit.