Over 25 years of mortgage sales experience. Ricardo started his career as a loan officer with Household International July 1997. Within 6 months Promoted to Senior Account Executive. Shortly after promoted to Assistant Sales Manager, until he took the reins of the Laredo Texas Office as Branch Sales Manager. During the 6 year tenure at Household , Ricardo was awarded Founders council honors, two national top 50 sales travel awards, and Circle of Excellence both as a Sales associate and a Branch Manager. Ricardo took on the role as a Team lead for Countrywide Full Spectrum Lending in San Antonio.

He then took the leap from retail to wholesale with an opportunity to work in the Rio Grande Valley as an Account Executive for Washington Mutual Long Beach Mortgage, and opened the territory for the renowned mortgage lender that specialized in Subprime mortgage lending. In 2005 he transitioned to an opportunity to further expand his relationships as the Valley Account Executive for Homecomings Financial with the capacity to provide better service to Brokers and Loan officers.

Branch Manager at Ameripro Funding from Jan 2010 to August 2012.

Aug 2012 Joined the Team at Gold Financial Services. Left Gold Financial Services August 2015 

Winner of Presidents Club award 2015.  Two time top producer for marketcenter. 

Aug 2017 Joined 

Willow Bend Mortgage, LLC 

 in McAllen Texas. NMLS# 351853

Promoted to Branch Manager of the Willow Bend Edinburg Office. 

3 time Presidents Club Winner 

3 Time Bat Club Award Winner

05/18/2022 

Joined CMG Financial As Area Sales Manager for the Rio Grande Valley Texas. 

Licensed in Texas, Florida, Colorado and Oklahoma. 

. | Equal Housing Lender. Loan product availability is subject to many factors including loan amount and qualifications of borrower. Not every applicant qualifies or is eligible for every loan program. Some loan products may not be available in all states in which the company holds licenses. Loan approval, note rate and annual percentage rate (“APR”) are dependent on factors including, but not limited to: loan program selected, credit, collateral, income, assets and overall financial history. Not all applicants will be approved for aloan. All loan programs, terms and interest rates are subject to change without notice.