Call Us Today!

Opening Time

Mon - Fri 09:00 - 18:00
Sat 09:00 - 14:00

Rick Momsen

Rick Momsen

Loan Officer

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.


I’ve been a strategic loan consultant for a number of years and love being able to help people not only achieve their dream of homeownership but also ensure that you’re in the best long term financial position for your home.

I specialize in self-employed borrowers and investment property refinances and purchases that can be potentially more detailed and intricate loans but that being said I love doing traditional home refinancing and purchases.

A little about my background. I was born in the UK, I’ve lived in Australia, Canada, Brazil, Caribbean and Tahiti and before moving to Arizona a couple years ago, I lived in Maui, Hawaii. I had a jazz club and a Tapas bar in Vancouver, Canada for a number of years and sold those after the 2010 Olympics in Vancouver and was involved with Art Galleries in Maui and opening a large fine dining restaurant. In Arizona I was the Finance Director for a large green developer. All of these required an extensive knowledge of finance and business operations which I bring to the table now as, hopefully, your home finance consultant.

Unlike most loan officers, I pride myself on keeping in touch, ensuring that you’re always in the best possible position and am always available if you have any questions or need help putting together a strategy to build yourself a strong property portfolio putting yourself in a fantastic financial position for years to come.

Look forward to working with you and call, text or email me now and let me know how I can help.

Phone: (808) 463-1059

NMLS#: 1494623

License: AZ, CA

Spoken Language: English

Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 187 lenders in real-time for you.
  • 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the US. Because we have closed many loans, we can negotiate and obtain ridiculously low rates from lenders.
  • 3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.



Number of Lenders


Ready to settle your mortgage plan?

We are here to help you with the great deal in the market.

Services We Offer

Home Purchase

Home Purchase

Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.

Re-finance Low Rate

Refinance Low Rate

Need to refinance to get a better rate? We will get great deals for your financial plan As rate is updated in real time from lenders, your refinance plan will just get better.

Re-finance Cash Out

Refinance Cash Out

A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.

Why Us

Independent Advice.

We commit to always give you independent advice regarding real estate and mortgage options.

Customer First.

We make less per loan than competitors and pass the extra savings to borrowers.

Low Available Rates

You will always get great deals with our real-time pricing engine.

Fast, Convenient, Local Service.

we are just one call away from your requirement.

Contact us today

Your home is one call away. We will get back to you immediately.


Powered by
MOSO logo