Rick has over 30 years of experience in the financing of residential real estate. A native Utahan; he has worked for a number of mortgage companies in Utah including Citicorp, Wells Fargo, Ohio Savings and Gibraltar Savings. He has a BS in finance from University of Utah and a graduate degree in banking from University of New Mexico School of Banking. Rick started Citizens First Financial Corporation in 1990 and successfully owned and operated this mortgage brokerage for over 19 years and funded nearly 1 billions dollars in home loans. Specializing in helping first time homebuyers as well as seasoned investors realize their dreams of home ownership. Currently a CMPS (Certified Mortgage Planning Specialist), Rick has the desire to help people with knowledge of real estate financing and the various financing options available.