RICK RIPMA

Personal Mortgage Advisor | NMLS# 664589

(C) 463-223-9592 / [email protected]

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.

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Timothy HIndianapolis, IN

Thank you so much, Timothy! I truly appreciate your kind words. It was a pleasure working with you, and I'm so glad you felt supported throughout the process. I always aim to provide great follow-up and make sure no detail gets overlooked—so it means a lot to hear that it made a difference for you. If you ever need anything down the road, I’m just a call away! — Rick “Your Hard Working Mortgage Guy” Ripma

ARIEL Q.FRANKFORT, IN

Rick Ripma is the only reason I selected Advisors. His expertise, willingness to educate, availability for phone calls, and response times were above exceptional. I felt my best interest was always at the front of any discussion/decision.

PAUL BGREENWOOD, IN

Rick and his team have done several loans for us over the years. we always feel like Rick and his team always have our best interest in mind when they recommend a loan or a product.

ROBB RLA CROSSE, IN

We had a great experience working with Rick and his team. He is quick to respond to any questions and always got important matters resolved immediately. We highly recommend Advisors Mortgage!

STEPHEN HWHITESTOWN, IN

Rick Ripma was incredibly helpful and available through our entire loan process. As a first-time buyer, I was a bit overwhelmed in the beginning but Rick made things easy and we ended up with a better interest rate than anticipated!

Loan Types

FHA

Details

FHA loans are designed with the first-time home buyer in mind. It allows for little money down, lower closing costs, and an easy-to-meet credit score requirement.

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

1st Time Buyers

Details

We help everyone with their housing goals, including the all important First-time homebuyer. Highlights and benefits for these first-timers are riddled throughout our product array, and they include:

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

Conventional

Details

We are an approved Fannie Mae and Freddie Mac seller and offer the best fixed and adjustable-rate loans for your home buying needs. As long as you meet the minimum requirements with down payment and credit score, we can help you secure the home of your dreams today!

We offer:
• Purchase loans
• Rate-term refinancing
• Cash-out refinancing

Conventional

Ready to Talk Mortgages? Contact Rick Today.

(C) 463-223-9592
[email protected]

Apply Now
4560 Windledge Cir, Zionsville, IN 46077 | 463-223-9592 | Branch NMLS # 2101833
BRANCH NMLS. 2101833 | 9614 Lima Rd, Suite 104, Fort Wayne, IN Branch | 260-204-1389

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