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.

Know More 

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

Fill out the form and we will get back to you!
Name(Required)
How can we help you?

Quick Contact

Send Me An Email

Call us Now

(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

April 25, 2025
Why Non-QM Mortgages Are Gaining Popularity in Today’s Lending Market?

The mortgage world is always changing and one trend gaining attention is the rise of Non-QM mortgages. QM stands for Qualified Mortgage, which follows specific rules set by government guidelines. Non-QM mortgages, on the other hand, offer more flexible terms and approval standards. Below is a closer look at why these types of loans are […]

Read More
April 21, 2025
How a DSCR Loan Can Help You Secure Financing for Your Investment Property?

Investment properties can be a great way to build long-term wealth. However, finding the right loan to fund these properties can feel tricky if you are unsure of your options. One option that is gaining interest among investors is the DSCR loan. The meaning of DSCR is Debt Service Coverage Ratio and it refers to […]

Read More
April 16, 2025
How to Create a Financial Plan That Supports Your Homeownership Dreams!

Owning a home can be one of the most fulfilling achievements in life. However, it often comes with the need for thoughtful financial planning. A well-crafted plan helps you manage your money in a way that supports your goal of becoming a homeowner without stress. Below are some practical steps to guide you in creating […]

Read More

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.
© 2025 Element Home Loans All rights reserved. Powered by Amplispot.
Our commitment is to provide unparalleled customer service and exceptional value.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram Skip to content