Jeffrey Rickard
Loan Officer | NMLS# 292600
University of Colorado Boulder
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, L... Show More
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Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Reviews from Web
I have known Jeff for many years. He has a strong passion for taking care of people to help them achieve their goals. You're in great hands with Jeff!
Reply from Owner
July 14th, 2025 04:00 PM
Josh, I truly appreciate your kind words and long-standing trust. It's incredibly rewarding to support people like you in reaching their goals. Your confidence means a lot to me, and I'm always here to assist you whenever you need.
Jeff is a great guy and I love his video updates. He has done a wonderful job helping with loans! If you are looking for a loan, don't hesitate to reach out to Jeff!
Reply from Owner
February 18th, 2025 09:09 PM
I am so thankful of your review. It means a lot.
Jeff Rickard of Universal Lending was very helpful in the recent buy/sell of my homes. He's very attentive and cares about his customers - first class service. This was the second time I've used Jeff (first was a refi about 9 years ago); and...
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Reply from Owner
February 17th, 2025 05:05 PM
Thank you so much. I loved working with you!
I worked with Jeff as a listing agent… I truly appreciated his consistent communication and overall professionalism. I look forward to the opportunity to work with him again in the future.
Reply from Owner
February 17th, 2025 05:06 PM
You did the lions share on this. So thankful to have met you.
Jeff is extremely knowledgable, and was very helpful. I learned a lot about the mortgage process from him. Plus he has some great hats
Reply from Owner
January 30th, 2025 05:16 PM
Thank you for that, AND I do have some great hats!!!
Our Loan Officer, Jeff Rickard and his team, was incredibly helpful and thorough with coordinating and finalizing our home loan. His communication and response to questions was first rate. Lower has our highest recommendation for a home loan....
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Reply from Owner
January 30th, 2025 05:17 PM
Thank you SO MUCH Andy! Loved working with you and your wife.
I personally recommend Jeff Rickard to help you with your Home Loan. Jeff has helped be able to purchase three homes over the years we have worked together. I have been very satisfied with the mortgage services Jeff Rickard has provided for...
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Reply from Owner
January 21st, 2025 04:41 PM
Thank you. You are the best!
Jeff did an awesome job and explained everything to me when I was buying my first home. He was very knowledgeable. Great customer service.
Reply from Owner
January 21st, 2025 04:42 PM
So happy to help you.
Jeff is a great mortgage resource to all of his clients. He is a local guy, who is well versed in the market and knows how to get a loan over the finish line and closed. I highly recommend Jeff Rickard.
Reply from Owner
January 21st, 2025 04:42 PM
Thanks Tim
Working with Jeff was great. He was efficient, it was easy to use the app he told me to download and whenever I had a question he was always prompt in a response. I would easily recommend him to any of my family and friends
Reply from Owner
January 21st, 2025 04:44 PM
Kendra I am so grateful for your response. You were awesome!!!
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About
At Lower, LLC we understand the importance of home financing. We have the knowledge and experience you can count on to deliver a simple and hassle-free lending experience. Whether you are buying your first home, refinancing or moving up, Lower, LLC offers a wide variety of mortgage products suited to fit the needs of our clients. With our industry-leading customer service, we’re sure to find the home financing that is right for you.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Specialities
FHA, VA, JUMBO, and conventional residential mortgages
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Education
- University of Colorado BoulderBiology/Biological SciencesBachelor of Arts (BA)
Year Started
1998
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS# 292600
Hobbies
- Golf, western Americana Lifestyle
Disclaimer
© 2026 Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. Lower conducts business in 47 states for licensing information please visit - https://www.lower.com/legal/license-information.