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

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

Rick is a mortgage professional focused on helping clients make smart, well-informed mortgage decisions in an increasingly complex lending environment. Rather than working for a single bank, Rick works on behalf of his clients, providing access to a wide range of lenders, products, and strategies.

This allows him to tailor mortgage solutions based on each client’s goals, financial situation, and long-term plans — not just today’s rate.

Rick’s approach is consultative and strategy-driven. He believes a mortgage should support a client’s broader financial picture, whether that means optimizing cash flow, planning for future investments, managing debt efficiently, or navigating life changes. Every recommendation is made with clarity, transparency, and the client’s best interest in mind.

Through a national lender network, Rick assists clients across the full mortgage spectrum — from straightforward bank financing to more nuanced scenarios that require creative structuring and lender insight. His role is to simplify the process, explain options clearly, and guide clients confidently from application to closing.

Above all, Rick’s focus is on advocacy, education, and long-term relationships. His goal is not just to help clients secure a mortgage, but to ensure they understand their options and feel confident in the decisions they make.

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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.

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