Ricky Zee Walters, Certified Mortgage Advisor | NMLS#332243

Serving Homeowners, Empowering Realtors, Your Lender for Life.

Mortgage advice you can trust — anywhere in California.

I’m Ricky Walters — a Certified Mortgage Advisor and Marine Corps Veteran. For the last 24 years, I’ve helped buyers and homeowners make smart mortgage decisions with clear education, honest options, and steady communication from start to finish. You’ll never be left wondering what’s happening or why.

California statewide lending

FHA• VA • First-time buyers • Refinance

Advisor mindset (The best rate with the wrong strategy or program can cost you a lot of money)

Whether you’re buying your first home, using your VA benefit, refinancing, or investing — I’ll help you choose a mortgage that supports your bigger financial goals.

Conventional

FHA

VA

Refinance

Conventional

Conventional loans are a strong fit when you have stable income and decent-to-strong credit. I’ll help you look at down payment options, monthly payment goals, and whether PMI makes sense (and how to remove it as soon as possible). We’ll compare fixed vs. adjustable options and choose the structure that best supports your short-term payment and long-term plan.

FHA

FHA loans are designed to make homeownership more accessible. If you’re a first-time buyer, have limited funds for a down payment, or your credit history isn’t perfect, FHA may be a smart solution. I’ll walk you through the real numbers — payment, insurance, and long-term cost — so you can decide confidently.

VA

VA loans are are close to my heart. If you’re eligible, the VA program can be one of the most powerful tools in lending: competitive pricing, no private mortgage insurance, and flexible qualification guidelines. I’ll help you use your benefit the right way and make sure you feel supported from start to close.

Refinance

Refinancing isn’t just about chasing a lower rate — it’s about improving the full picture. We’ll look at your goals (lower payment, pay off faster, stabilize your loan, or use equity wisely), then run the numbers so you can see if it’s a real win. If it isn’t, I’ll tell you that too — and we’ll build a better plan.

Get Pre-Approved

Serving Homeowners, Empowering Realtors, Your Lender for Life.

When you work with me, you’re not limited to one bank’s “one-size-fits-all” approach. I’ll help you compare options across multiple programs and lending solutions — and I’ll explain the trade-offs in plain English so you can make the best decision for your goals.

And if you’re weighing a big bank offer that’s tied to moving assets or opening accounts, I’ll help you compare it apples-to-apples — so you know exactly what you’re gaining (and what you’re giving up).