Your Dream Home Awaits
Let’s Make It Happen Together

I, Rick Carrier, believe that homeownership is more than just a financial decision
it’s about building a future filled with memories.
Rick Carrier Mortgage Broker

Rick Carrier

Branch Manager | Loan Officer
NMLS #268110

Expert Home Loan Services by Rick Carrier

As a local mortgage broker with over 20 years of experience, I’m dedicated to helping individuals and families in Katy, TX, find the right mortgage solutions tailored to their needs. I understand that every client’s situation is unique, and I take pride in offering fast, customized quotes with competitive rates. My goal is to educate you and guide you through one of the biggest financial decisions of your life.

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The Advantages of Working with Rick Carrier

Here are few reasons you should work with Element Home Loans

With over 20 years of experience, I offer the knowledge and insights to help you make confident mortgage decisions.

I combine my local expertise with the resources of a nationwide network to give you the best possible mortgage options.

Everything from your application to underwriting happens in-house.


I take the time to learn about your unique needs and provide loan options tailored just for you.

Client Testimonials

What Our Customers Are Talking
About Our Services

"Rick Carrier worked with us for over a year until we were finally ready to move forward with the home buying process. From the beginning and well after closing, he was always more than willing to answer any questions we had. He went above and beyond our expectations to make our experience positive and for everything to go smoothly. We will definitely be using him in the future."

-Heidi Pacheco

"Nice working with Rick. Iam a 1st time home buyer and was able to qualified for a load. It was a smooth process. Rick was kind enough to ensure that any concerns or questions can be addressed to him if there's an issue."

-Sith Salianekham

Rick is professional and easy to work with. He walked us through every step with ease. Questions were quickly answered and explained. Rick and his team made our first home buying experience a great one!

-Angela Eaglin-Brown

Rick did a great job in helping us get into our home. We were very pleased with the outcome. We have also referred him to family and friends and they have had success in their home buying as well. Will definitely continue to recommend him in the future.

-Desiree Esquivel

Contact Element Home Loans

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(281) 767-6700

Opening Hours

Monday – Friday : 9 am to 5 pm

Our Location

19308 Morton Road, Suite 110-B
Katy, TX 77449
At Element Home Loans, we take pride in our commitment to excellence and transparency in mortgage services. We are pleased to announce that we are fully licensed in Katy, TX, ensuring that our clients receive the highest standards of professionalism and expertise.

Mortgage Tips
Navigating Your Coverage Options

June 12, 2025
What Is Escrow And How Does it Work? A Breakdown!

If you are new to homebuying, the word “escrow” might sound a lot of times and you might also feel confused about listening. But escrow is actually a helpful tool. It protects both the buyer and seller by making sure everyone meets their obligations. Here is a simple breakdown of what escrow is and how […]

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June 8, 2025
Tips for Managing Finances Between Pre-Approval and Closing!

Getting pre-approved for a mortgage can feel like a major victory, and it is. But the time between pre-approval and closing is just as important. During this period, lenders will keep a close eye on your financial health. Any major changes could affect your final loan terms or even risk your mortgage approval. Here are […]

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June 4, 2025
Moving In? Here’s Your Homeowner Starter Kit!

Moving into your new home is exciting, but it can also feel overwhelming. You might be juggling furniture shopping, setting up utilities and getting used to your new neighborhood. But this “starter kit” can help you settle in quickly and make the most of homeownership. By having a plan, you will reduce stress and be […]

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Element Home Loans

Many years of dedicated service have allowed us to play a crucial role in turning home aspirations into reality, always with a keen eye on keeping it within our customers' financial reach.
NMLS Consumer Access
(281) 767-6700
Send Me An Email
19308 Morton Road, Suite 110-B
Katy, TX 77449
NMLS #268110
Licensed In: TX
Disclosure:
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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Our commitment is to provide unparalleled customer service and exceptional value.
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