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
Location & Business Hours
Business Hours
Tues
9 AM to 5 PM
Wed
9 AM to 5 PM
Thu
9 AM to 5 PM
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Jeff is a very knowledgeable mortgage Lender !!! Jeff is very efficient with his craft and is very honest and cares about his clients and helping them get their financial needs met.I will definitely refer my family and friends to Jeff at Universal...
read more
Reply from Jeff Rickard, Universal Lending, NM...
March 28th, 2022 07:09 PM
We appreciate the lovely feedback of Jeff Rickard Team at Universal Lending. Thank you and have a great day!
Jeff is the quintessential mortgage lender! Excellent experience and knowledge with fabulous product and service! ONwards and UPwards!
Reply from Jeff Rickard, Universal Lending, NM...
March 28th, 2022 07:09 PM
Hello and thank you for taking the time to share your detailed feedback! We are thrilled to hear that you have nothing but amazing things to say about our team at Jeff Rickard Team at Universal Lending and what we offer.
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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.