Headshot of Rick Heard

Rick Heard

VP of Residential Lending/Loan Officer

Rick Heard Team

NMLS #306317

2321 Rosecrans Avenue, Suite 1290
El Segundo, CA 90245
Contact Methods
tel Phone
mobile Mobile
(310) 350-1994
fax Fax


About Rick

You can always expect to have an excellent experience with Rick!Offering personalized service he will take the time to sit down with clients and discuss all the loan programs that are available for their situation. The client leaves the office confident they have become educated and selected the best loan program for their needs. Rick will assist in completing the application package with a goal of making the loan process as painless as possible. Born in northern California Rick attended Saint Monica's High School in Santa Monica and has a Bachelor degree in Business Administration from Loyola Marymount University in Playa Del Rey. A longtime South Bay resident Rick has lived in Hermosa Beach since 1980. When he is not working you'll most likely find him at the gym, beach, or golfing!


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at 310-350-1994