ABOUT ME
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Let Ricardo Manuel Torres and the RMTTEAM help you withyour new home. As a mortgage loan professional for more than 24 years, Ricardo Manuel Torres has a degree in Business Administration and additional training and certification in Veteran Home Loans , Affordable Housing Certification and Certified Advanced in Spanish Financial Terminology, giving Ricardo Torres the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property. We strive to give 5 star service and exceed expectations. If you are looking to BUY, BUILD or Refinance a home, we can help. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, the RMTTEAM can help you before you ever make an offer on a property. Ricardo Torres can sit down with you and look over your budget, income and savings, helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. Ricardo Torres will help you consider all your options so you can concentrate on making the best decision for your needs. The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like Ricardo Manuel Torres and the RMTTEAM in your corner. You can apply at www.rmtorres.com or Contact Ricardo Manuel Torres today at 956-739-5440 and let’s get started making your home-ownership a reality. Licensed in TEXAS, OKLAHOMA, COLORADO and FLORIDA
CMG HOME LOANS 
