Specialties
The Carrier Mortgage Team offers Same Day Pre-Approval
FHA & VA 600 FICO
Jumbo Loans up to 1.5 Million written in house
One Time Close Conforming & FHA Construction Loans Conventional Loans 620 FICO
Check out my 5 star reviews on google!
Rick Carrier NMLS #268110
Expert Mortgage Broker providing Home Loans & Mortgage assistance. We specialized in assisting you with your VA loan, FHA loan, USDA loan, Jumbo loan, & Conventional home Loan. Apply online or call directly. Same day pre approvals and free credit analysis when you apply. We also have an extensive product mix for Bank Statement Loans, ITIN Loans, Investor Loans, & Commercial Loans. Check mortgage rates or use our mortgage calculators and even use our rate comparison tool to get a fast easy rate check for your next home loan.
Your Katy Mortgage Broker with 23 years of experience as a licensed mortgage loan officer and your loan officer for life. Shop mortgage rates with us to find the best mortgage rates available today.
NMLS 268110
History
Established in 2000.
Element Home Loans is an independent Mortgage Lender. We originate mortgage loans insured by the FHA, guaranteed by the VA and sold to Fannie Mae, Freddie Mac and other reputable private investors in the secondary market. What does this mean to you as a client? It means that we not only able to work with you on any type of mortgage you might need (from your first home purchase to investment properties, to a reverse mortgage in your retirement years), we do so with the utmost service to you.
We deliver your loan on-time, as promised, with no surprises.
We are unwavering in our commitment to the highest levels of integrity and ethics, and in always doing what's right for our customers. We have a wealth of experience in the mortgage banking industry, and we are committed to a lending process which allows us to focus on meeting the changing needs of our customers in a constantly changing real estate environment.
Meet the Manager: Rick C.
My name is Rick Carrier, I came to the Mortgage Industry after 20 years of Sales and Customer Service experience to start a new and rewarding career that allows me to help my clients with the biggest investment and purchase of their lives. Now after 16 years in the mortgage industry, I would have to say that taking the time to educate my borrowers, and helping them to obtain a loan that best fits their needs, is the part I love most about my job.
With everything I do I try to exceed expectations, set new standards, and help others along the way grow beside me. I have always been a top producer, and by the end of my Rookie Year, I was able obtain a national ranking of 37th in the Country by mortgage originator magazine closing over 160 loans. In 2010 I was ranked in the top 1% in the country for customer service while maintaining my top spot in volume of loans closed. I achieved this success by being honest, educating my clients, & supplying outstanding customer service.