Need the perfect home loan?

Get ready to save more and secure your dream home with the Nation’s lending VA loan expert. I’ve been helping families, veterans, and first-time buyers find the perfect loan for their dream homes for over 30 years.

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I’m Rick Elmendorf.
Your Home Loan Expert

With over 30 years in the mortgage business, Rick Elmendorf helps families, veterans, and first-time homebuyers get the loans they need. Rick believes in simple, clear advice to help you make the best choice for your future. From VA loans to first-time buyer programs, Rick is here to guide you every step of the way.

Email

rick@loanwithrick.com

Phone

(239) 237-0102

Schedule a Call with Rick
Rick Elmendorf YouTube Channel
Rick Elmendorf YouTube Channel
Rick Elmendorf YouTube Channel
Rick Elmendorf YouTube Channel
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How I can help you

Purchase Loan

I’m ready to buy a house

Refinance Loan

I’m ready to save money

Get Approved VA

I want to explore my options

Reviews & testimonials

I Come Highly Recommended

VIEW ALL TESTIMONIALS

Nationally Ranked Top 1%

Rick knows mortgages and loan processes inside and out. He has the skills to handle different types of loans quickly and easily.

Excellence in Every Loan Transaction

Recognized nationally among the top 1% of mortgage loan officers, our track record is defined by stellar results and a relentless pursuit of excellence.

Personalized Financial Guidance

Honesty is at the heart of his service. You’ll get straightforward advice and transparent solutions tailored to your financial goals.

Everyone I Serve, Finds A Home They Love

Hear from our hundreds of happy and satisfied clients nationwide:
3rd loan with Rick and his team. Always well executed and great service! Highly recommend this team to anyone! They are exceptional with VA and all types of loans. Read more…
RONIN-X
on Zillow
As always, Rick and his team are very easy to use and always timely and accurate. This is our second loan with Rick and he’s proven to be the easiest we’ve worked with even considering…. Read more…
Gary from Williamsburg, VA
On Zillow
Process was incredibly straightforward, agent communicated with me often and well. Agent made every effort to get the best deal done for me. Worked close…  Read more…
BETTY SZEJNIUK
on Rate
Rick, Steve, and Annette were an amazing team. From offer to closing was 16 days, which is incredibly quick. Other lenders wouldn’t even touch it, but Rick… Read more…
Stephanie Konvalin
On Birdeye
Read All Testimonials

Achievements and Recognition

Nationally Recognized Expertise

Ranked #21 on National Mortgage Top Producers, 2016

Consistently listed in the Top 100 Loan Originators by the Scotsman Guide

Renowned speaker and trusted advisor in mortgage lending

Meet the Top 1% Loan Officer Nationwide since 2003

Rick Elmendorf – Mortgage Industry Leader

After earning a B.A. in Mathematics from George Mason University, Rick Elmendorf began his career in the mortgage industry, initially working as a real estate appraiser before transitioning to a mortgage broker role.

He doesn’t just help with loans—he provides complete mortgage solutions for everyone, including special support for veterans and military members.

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Contact Rick Today

With over 30 years of experience in mortgage services, Rick is your expectational resource for navigating home loans, refinancing, and more—making complex processes simple and stress-free.

He helps homebuyers achieve their dream of owning the perfect home with the lowest possible rates. His services include streamlined refinancing, home purchasing, various home loan options, and access to home equity lines of credit.

Maximum VA Loan Calculator

Calculate the maximum VA loan amount you can get.

Get a VA Loan Pre Approved

Want to get Pre-Approved? Here’s the easy way to do it with the Rate app.

FREE VA Loan E-book

Get the free e-book to understand important things before you apply for loan or go for refinancing.

Personalized Services for Anyone Looking to Buy a Home

Conventional Loan Refinance

Home Refinance

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Home Purchase

VA Home Loans

VA Loans

Home Equity Line of Credit

Home Equity Line of Credit

Want one of these loans? I’ll help you secure it.

Get Pre-Approved Now

Get More Home Buying Tips
From Rick on YouTube!

🏡 Need help buying a home? Go here: https://rickelmendorf.com/ ✅ Get your free mortgage spreadsheet: https://purchase-spreadsheet-rick-elmendorf.secure-clix.com/ 🚨 Get pre-approved here: https://apply.rate.com/apply/loan-purpose?emp-id=34253 📆 Need ever more help? Book a call with me here: https://calendly.com/rickelmendorf/meet 📆 In this video, I’ll walk you through the 5 BIGGEST financial pitfalls homebuyers make—and how YOU can avoid them. 🔗 Watch these videos: https://youtu.be/_Zm1xP_rNNg?feature=shared https://youtu.be/8fZ4hq0b1ZM?feature=shared About Rick: I’m Rick Elmendorf, a VA loan expert and Top 1% Loan Officer Nationwide since 2000. I’ve been helping homebuyers across all 50 states find their dream homes for over 20 years. Born in Bangkok in 1969 while his father served as an Air Force pilot in Vietnam, Rick’s life has always been connected to the military community. Starting his mortgage career at just 22, Rick’s focus has always been helping veterans and military families secure their dream homes. With over 30 years of experience, his innovative tools like the Excel Purchase Calculator and the VA 'Offer Accepted' Strategy make the home-buying process smooth and fast—often with 5-minute approvals. Rick’s commitment to military values like honor, service, and excellence has earned him a spot in the top 1% of Loan Officers nationwide since 2000. He’s also the author of “The Loan Officer Revolution” and “3% Lower,” sharing his expertise with others. If you’re a veteran or military family looking for the best VA loan experience, Rick and his team are here to serve. Low VA loan rates, expert advice, and dedicated service—that’s Rick Elmendorf 🎖Rick Elmendorf, NMLS 485091, Top 1% Loan Officer Nationwide since 2000. VA Loan Expert specializing in Active Duty PCS. https://linktr.ee/rickelmendorf. Guaranteed Rate NMLS License No. 2611. Chapters: 0:00 - Introduction 0:42 - Mistake #1: Choosing a Conventional Loan Over VA Financing 3:13 - Mistake #2: Not Putting Enough Money Down 4:38 - Mistake #3: Saving Up Money Unnecessarily 5:35 - Mistake #4: Paying Off Debt Before Buying 6:23 - Mistake #5: Not Interviewing Real Estate Agents 7:47 - Bonus Tip: Avoid Using Credit Unions for VA Loans 8:40 - Wrap-Up and Final Thoughts
5 COSTLY Mistakes Veterans Make Before Buying a Home
Want to learn more? Go here: https://rickelmendorf.com/ Buying a home in today’s market can be tough, especially with so much competition. But a non-contingent offer could be the strategy you need to stand out and win your dream home. What You’ll Learn in This Video: ✅ what a non-contingent offer is and why it works so well ✅ why it works so well ✅ how it helps you compete in a tough market ✅ mistakes to avoid when making one ✅ tips to minimize risks and maximize your chances of success About Me: I’m Rick Elmendorf, a VA loan expert and Top 1% Loan Officer Nationwide since 2000. I’ve been helping homebuyers across all 50 states find their dream homes for over 20 years. Connect With Rick: Visit My Website: https://rickelmendorf.com/ Get Pre-Approved: https://www.rate.com/loan-officers/the-elmendorf-team-485091 A non-contingent offer isn’t just a tip—it’s a strategy that can make the difference in a competitive market. Don’t forget to subscribe for more tips on VA loans, home buying advice, and mortgage strategies. I want your dream home to become a reality. 0:00 - What Is a Non-Contingent Offer? 0:57 - Non-Contingent Offers Explained 2:00 - Why They Work in Competitive Markets 3:04 - Benefits for Sellers 4:16 - Emotional Side of Non-Contingent Offers 4:18 - Risks of Non-Contingent Offers 5:48 - How to Lower Your Risks 7:35 - Who Should Use This Strategy? 8:42 - When to Use It in Hot Markets 9:03 - Wrap-Up and Key Tips #HomeBuyingTips #NonContingentOffer #mortgageexpert
What Every Home Buyer NEEDS to Know About Non-Contingent Offers
Get your FREE calculator here: https://docs.google.com/spreadsheets/d/1QMdJszizMfcwK4TAguuie9Z97-CZFTQS/edit?usp=sharing&ouid=116393795218610789517&rtpof=true&sd=true Want to get Pre-Approved? Go here: https://www.rate.com/loan-officers/the-elmendorf-team-485091 Have questions? Schedule a call: https://calendly.com/rickelmendorf 🎖️Creator of Project My Home 3% Lower🎖️ ✔️Making Homeownership Affordable again in any rate environment. ✔️Download the FREE e-book www.rickelmendorf.com/3percentlower The team and I are able to assist you in all 50 states! 🏡 Must Watch Videos for Homebuyers 🏡 ✅ VA Loan Assumptions Explained: http://y2u.be/17SQuemxF6o ✅ Strategies To Win Your Home Offer!: http://y2u.be/n1JINFWaQcc ✅ 10 Reasons to Sell a Home to a VA Buyer: http://y2u.be/_JZOx6hl1ro ✅ Best Practices For Refinancing A VA Loan: http://y2u.be/56LIxqVQck8 I welcome questions regarding purchasing or refinancing, or especially about using your VA loan for a PCS, relocation, VA Cash Out Refinance, or a VA IRRRL! Connect with Rick Elmendorf: Instagram: / loanwithrick LinkedIn: / rickelmendorf 🎖Rick Elmendorf, NMLS 485091, Top 1% Loan Officer Nationwide since 2000. VA Loan Expert specializing in Active Duty PCS. https://linktr.ee/rickelmendorf. Guaranteed Rate NMLS License No. 2611.
How to Calculate Your Maximum Va Loan Amount
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Rick Elmendorf, your trusted Loan Officer.