Curious what your home is worth?
Rick Salerno
Loan Officer
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
My Goals, Your Results
Stress-Free Process: I’m committed to making your mortgage experience as easy and stress-free as possible. You’re not just a number; you matter.
Unbeatable Combination: Expect the best in rates, cost, experience, and execution.
Customized Solutions: No “one size fits all” here; every solution is tailored for you.
Transparency and Communication: 100% clarity in every step, so you fully understand the "why."
Exceptional Service: I aim to be the best loan officer you’ll ever work with. If I exceed your expectations, I’d love for you to share your experience with friends and family.
I’m empowering consumers with what they've always wanted—direct access to personalized pricing, automated alerts, and a simple online application process enhanced by AI (if you choose). There’s nothing more fulfilling than helping clients achieve remarkable transformations; it drives my passion for this work.
Let’s face it—no one gets excited about getting a mortgage. It can feel personal, invasive, stressful, and even a bit daunting. I’m here to change that.
I’ve been in the mortgage industry since 1999, and my focus has always been on providing outstanding customer service by truly understanding my clients' needs to help them find the best mortgage solutions. I work with a wide range of clients, from first-time homebuyers to investors and homebuilders, always prioritizing their best interests.
Throughout my career, I’ve earned recognition, including a nomination for the Shared Success Excellence Award and multiple President’s Club Awards for mortgage production. I’ve also had the privilege of managing a team of loan originators and building a strong reputation within the real estate community.
I’m a cum laude graduate of Florida State University, where I earned degrees in Criminal Justice and Business Administration. I was also honored to receive an athletic scholarship, which further shaped my dedication and work ethic.
Outside of work, I enjoy weight training, sports, the beach, and spending quality time with my family. The greatest satisfaction in my career comes from seeing the joy and complete satisfaction of my clients when they close on their homes.
Phone: (954) 993-4500
NMLS#: 1056663
License: FL
Spoken Language: English, Spanish
My reviews on Google
Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 238 lenders in real-time for you.
- 2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so 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.
OUR ACCOMPLISHMENTS
238+
Number of Lenders
10508+
1655+

Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer

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.

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.

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.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.