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1001 Rondale Ct., #1005 Dardenne Prairie, MO 63368 Mobile (636) 354-9011 Tel (314) 668-5488 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Down Payment Assistance
- Investment Property
- Purchase
- Refinance
- VA Loan
Rick Lindsay
I’ll personalize your home financing
Hi, I’m Rick!
After serving in the US Navy Submarine Force, I transitioned into a career as a Leader and Entrepreneur. Over the past 30 years, I’ve built a successful career as a loan officer, business owner, and trainer in the mortgage and financial services industry. I’m passionate about helping clients achieve homeownership and build lasting wealth through real estate—the most powerful wealth-building tool in America.
As part of America’s #1 Retail Mortgage Lender, I specialize in a variety of loan programs, including VA, FHA, Conventional, Jumbo, and Portfolio Loans for the self-employed, asset-based loans with no income verification, 1099 earners, bank statement loans, reverse purchase or cash-out mortgages, and investment options. I provide tailored solutions for your unique needs.
I’m committed to ongoing education, staying current on mortgage planning and sales to ensure you receive the best advice. Whether you’re a first-time homebuyer, refinancing, or expanding your investment portfolio, I’ll guide you every step of the way to ensure a smooth process.
Beyond my work, I support the Joshua Chamberlain Society, adopting fallen and wounded military heroes and their families, Veteran’s Community Project, which offers transitional housing and training on re-integration. I’m also a certified Homes for Heroes Mortgage Consultant, giving back to heroes, first responders, medical professionals, and teachers.
I’m a family man—married with four sons, two of whom are Navy veterans, and two grandsons. My life is built on service, integrity, and helping others succeed.
Let’s make your homeownership dreams a reality. Contact me today, and let’s start building your future—one home at a time!
Rick’s testimonials
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How much will my mortgage payment be?
This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.