Rick Weber – Holmgren + Associates

Rick is friendly, honest, and very good at explaining complicated financial options in easy to understand layperson terms. After working with some other mortgage officers who were disorganized, dishonest, and unresponsive, discovering Rick was a wonderful relief! He always takes his time with you, answers questions promptly, and puts no pressure on you to rush a decision. Not to mention that he is great at finding creative solutions for refinancing! I always recommend him to my friends and family with no reservations.

Can’t say enough about Rick and his professionalism. I’ve worked with rick several times over the years and every experience has been great. He let’s me know when it is time to look over my financing and if needed he walks me through what i need to know and do. I’ve saved both time and money working with him. If you need financing help I would look no other place. A great find in the Bay area!

Rick worked relentlessly with us and our realtor in the purchase of our first home in Tracy, Ca. Rick provided best in class customer service from the very first meeting. He is not only knowledgeable but he genuinely cared for our financial well being. He was able to answer all of our questions throughout the entire home buying process and made us feel comfortable.
Please do reach out to Rick Weber, he is a true professional!

My husband and I were very new to the home buying process. Owning a home or even just thinking about owning a home was a dream so, so far away for us. We didn’t think we would have enough savings, we didn’t know what we could qualify for, and if we could even qualify for anything. Based on what we heard from friends, we just figured having a 20% down payment was pretty much the norm /​the minimum. We didn’t have 20% for the types of houses we liked, at least based on listing pictures, but we decided we’d get our feet wet and start going to open houses to see what’s out there and begin learning what the process was like.
We met two agents at an open house who just wanted us to sign contracts to commit to working with them, and them only, before they’re willing to commit any time on getting us the most basic information that we needed as first time home buyers. That was a HUGE turn off for us and we basically gave up looking for a couple of weeks until we heard about Rick through a friend.
The very first time we met with Rick, we did the exact same thing with the agents we previously met with and told him that we’re first time potential home buyers. We let him know that we’re not financially ready to purchase anything in the near future, and we just want to learn more and understand what the process was like. Without hesitation, and unlike what we previously experienced, Rick was most friendly and patient with us. He probably spent almost two hours explaining everything to us, how it all works, and what options we have. It was really great coming out of that meeting not feeling intimidated at all with the process, and even learning that we actually had options to make a smaller down payment. We left the meeting feeling very well informed. We took away with us material we can look at at our own time, and all the types of information we need to gather should we be ready for pre-​approval.
Rick was never pushy with us. He sent us one email to let us know that he’s here for any questions we may have and that was it. My husband and I finally decided to give it a try just two weeks later. We still had the first time home buyer jitters and didn’t feel 100% confident, but we decided we’re both very comfortable with working with Rick, and so we decided to move forward with it.
Rick was always very well organized, and he made the mortgage application process easy for us. We hit obstacles here and there, but Rick always presented us with alternative options and what we could do to push things through. He guided us through the entire process, and he even gave us the advice to commit to a bit less in down payment, so that we won’t feel too strapped with funds when it came time to paying for our closing fees.
My husband and I are now proud owners of our first home. Somedays I still walk around our house wondering if this all is real! We feel most grateful everyday for our accomplishment, and this accomplishment we wouldn’t have been able to achieve without Rick. We’ve been living in our new home for 4 months now, and Rick has been most kind to still take his time to answer any questions that we may have in terms of mortgage bills, or even property tax bills.
Without any doubt, Rick has our highest recommendation.