Loan Officer Location
About Me
Loan Officer · NMLS 364939
Originally from Knoxville, TN, I moved to Tampa in 2002 to enjoy a warmer climate. At that time, I also started my career in the mortgage industry as a loan officer, then subsequently learning all aspects of mortgage origination.
I'm a very motivated person and enjoy helping people. I strive to ensure that all my clients have the best experience possible and try to take the stress out of this tense process by maintaining a positive attitude and treating others as I would like to be treated.
I pride myself on great communication. My clients and realtor partners know that I will always answer my phone and alert them of any hinderance in the process so that there are no surprises at the closing table. I try to always ensure that the clients understand the mortgage process, and I strive to make the process as smooth as possible. Taking a client that has been told "Sorry, we can't help you at this time" and figuring out a loan program they qualify for, getting them into the house of their dreams, is what makes my job so rewarding.
When I’m not working, I enjoy going on long walks/runs with my dog, Holly, every weekend. It's a great form of exercise for both of us and is a good way to relax for a couple of hours during the day. I’d love to chat with you and get you on the path to home ownership!
My Location
Pinellas 2424 Enterprise Rd Suite G, Clearwater, FL 33763
Social Survey View
David Michael Ricketts's
OVERALL RATING
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"Amazing service..."
Amazing service and he kept trying
Ramses
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"David was..."
David was diligent, followed up frequently, returned phone calls promptly and was knowledgeable, answering questions thoroughly and without hesitation. The speed by which he and his team moved the transaction from application to closing was AMAZING! Kudos to David, Brooke and Jessica!
Pola
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"Thank you for all..."
Thank you for all your help.
Wendy
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American Financial Network, Inc. is providing the calculator tools above as a courtesy and results are estimates only. Please consult with a licensed American Financial Network, Inc. Loan Originator for more specific information and to discuss your individual needs and circumstances. Standard disclaimers apply.
Loan Program View
LOAN PROGRAMS
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Reverse MortgagesA reverse mortgage loan, like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan. A Home Equity Conversion Mortgage (HECM), the most common type of reverse mortgage, is a special type of home loan only for homeowners who are 62 and older. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don't make monthly mortgage payments. The loan is repaid when the borrower no longer lives in the home. Interest and fees are added to the loan balance each month and the balance grows. With a reverse mortgage loan, homeowners are required to pay property taxes and homeowners insurance, use the property as their principal residence, and keep their house in good condition.1 American Financial Network, Inc. is not acting on behalf of or at the direction of HUD/FHA or the federal government. Borrowers must continue to make property tax, insurance, and other maintenance payments in order to avoid risk of default. 1. https://www.consumerfinance.gov/ask-cfpb/what-is-a-reverse-mortgage-en-224/
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ConventionalIndustry standard loan programs with purchase and refinance options for most borrowers. These programs follow lending rules set by Fannie Mae and Freddie Mac and have the reputation for being the most affordable and quickest to close in the mortgage industry.
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FHAInsured by the Federal Housing Administration, these loans are a great option for homebuyers looking to put the minimum amount down as possible, homeowners looking for simple refinance options, and for borrowers with less than perfect credit.
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VAJust for veterans and surviving spouses! Finance up to 100% of your new home’s value with no money down, and no private mortgage insurance; or refinance your home quickly and easily with minimal paperwork.