Building a home from the ground up is exciting, but figuring out how to pay for it can feel confusing. One-time closing construction loans are designed to make that process smoother by wrapping construction and permanent financing into a single loan, with only one closing to manage. 1. How does a single loan work? With […]
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.
it’s about building a future filled with memories.
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.
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.
"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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Quick Contact
Send Me An EmailCall 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
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
Many rental investors are surprised to learn they can qualify for a mortgage based more on the property’s income than on their personal paycheck. That’s where DSCR loans come in. DSCR stands for Debt Service Coverage Ratio, but don’t let the term throw you off. At its core, lenders are simply asking, “Does this rental […]
Moving to a “better” neighborhood can feel exciting. Maybe you’re picturing quieter streets, more space, or a new school for the kids. But many families focus on granite countertops and backyard size, and forget to look at everyday details that shape how life actually feels. Taking a little extra time to look past the listing […]
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 
Contact Us
(281) 767-6700Send Me An Email
19308 Morton Road, Suite 110-B
Katy, TX 77449
Katy, TX 77449
NMLS #268110
Licensed In: TX
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.
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.
Rick Carrier
Branch Manager | Loan Officer
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