Meet Your Mortgage Specialist-Rick Bettencourt, Broker (Level 2)

Experience, transparency, and financing solutions tailored to your unique situation.

Whether you're navigating a challenging financial moment or taking advantage of new opportunities, I’m here to guide you through every step. My role is simple — understand your goals, present your best options, and help you move forward with confidence.

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My Mission

Whether you're buying or refinancing your home, you should feel comfortable — not overwhelmed. My mission is to guide you with clarity, honesty, and confidence through every stage of the mortgage process so you can make informed decisions with complete peace of mind. I believe in doing more than securing a loan; I believe in empowering you with the knowledge and support you need to build a strong financial future. Whether you're a first-time buyer, refinancing, or investing, my goal is to provide a personalized experience, transparent communication, and a loan strategy that aligns with your long-term goals. Above all, I’m committed to making the mortgage process simple, stress-free, and tailored to you — because your homeownership journey deserves a partner who cares as much as you do.

What You Can Expect When Working With Me

Clear, Straightforward Guidance

No confusing jargon. No pressure. Just simple explanations so you always understand your loan options clearly and confidently.

Fast Communication

Questions come up, and you deserve quick answers. I stay responsive and proactive so you never feel in the dark during the process.

A Smooth, Stress-Free Process

From pre-approval to closing day, I streamline the process, anticipate challenges, and keep everything running as smoothly as possible.

Tailored Loan Solutions

Your financial goals are unique. I take the time to understand your situation and match you with the mortgage strategy that fits your needs.