About Element Home Loans

At Element Home Loans, we pride ourselves on revolutionizing the mortgage industry through a harmonious fusion of cutting-edge technology and seasoned expertise, delivering unparalleled efficiency and personalized service to our valued clients.
Rick Carrier Mortgage Broker

About Us

Welcome to Element Home Loans

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.

At Element Home Loans, we’re a locally owned and operated direct lender, which means the entire loan process—from application to closing—happens within our offices. This gives me complete control over your loan, ensuring we close quickly and on time. My dedication to exceeding expectations has earned me multiple awards, including Top Rookie Originator and recognition in the top 1% for customer service, thanks to client reviews on Google, Zillow, Yelp, and Facebook. I’m here to make your mortgage journey smooth and rewarding.

Ready to take the next step? Contact me at (281) 767-6700 or stop by our office in Katy, TX. Let’s get you started on your home loan journey!

Contact Us

Our Experience

The Advantages of 
Working with Us

20+ Years of Mortgage Expertise

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

Local Lender, National Reach

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

In-House Processing for Faster Closings

Everything from your application to underwriting happens in-house.

Personalized Loan Solutions

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

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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