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.

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.

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How I can help you

Reviews & testimonials

I Come Highly Recommended

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

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.

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.

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 More Home Buying Tips
From Rick on YouTube!

Ready for a Personalized Consultation?

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Rick Elmendorf, your trusted Loan Officer.