

About Rick
With more than 20 year experience, Rick Ripma, is Your Hard Working Mortgage Guy. Rick is fully licensed to handle all of your mortgage and home loan needs. He is a specialist in refinancing, purchase, first time home buyers, renovation, reverse and debt consolidation mortgage options.
Loan Types

It makes for the perfect type of loan to meet the needs of buyers from all walks of life.
FHA Loans Offer:
• Minimum down payment of only 3.5%
• Credit score as low as 500*
• Flexible debt-to-income ratios
• 100% of down payment and closing costs can be a gift
• Flexible reserve requirements
• Up to 6% seller contributions towards closing costs and pre-paid items
We Offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
• Streamline refinance
• 203(h) - Mortgage Insurance for Disaster Victims
FHA

We offer:
• Low down payment options
• Eligible sources of funds include gift funds from eligible sources
• DPA assistance that may be available in your local markets
• Zero down payment options for VA and USDA buyers
• Reduced Mortgage Insurance requirements for certain programs
• FICO scores as low as 500 on certain products
1st Time Buyers

We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing
Conventional
Ready to Talk Mortgages? Contact Rick Today.
(C) 463-223-9592
[email protected]
4560 Windledge Cir, Zionsville, IN 46077 | 463-223-9592 | Branch NMLS # 2101833
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