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Ricardo Torres

Residential Mortgage Loan Originator | NMLS #255493

Way. Better. Mortgage.TM

Ricardo's Bio

Ricardo Manuel Torres has been a mortgage and loan professional for over 20 years. He holds a degree in Business Administration and has completed additional trainings and certifications in Veteran Home Loans, an Affordable Housing Certification, and is Certified Advanced in Spanish Financial Terminology.   These qualifications give Ricardo Manuel Torres the knowledge and experience to help you through the loan process, find the terms that are right for your budget, and make sure all the legalities are competently handled so that the closing goes smoothly and you can take possession of your new property.

We strive to give 5 star service and exceed expectations. If you are looking to BUY, BUILD or Refinance a home, we can help! Let Ricardo Manuel Torres and the RMTTEAM powered by Willow Bend Mortgage help you to your new home.

The financial aspects of home buying can be stressful and overwhelming—but they don’t have to be, not with a trained and caring professional like Ricardo Manuel Torres and the RMTTEAM in your corner. Whether you’re a first-time home buyer, looking to trade up, deciding to downsize, or simply wishing for a change, the RMTTEAM powered By Willow Bend Mortgage can help you before you ever make an offer on a property. Ricardo Manuel Torres can sit down with you, in person or virtually, and look over your budget, income, savings, all with the goal of helping you get a clear picture of what type and amount of loan is realistic. There are many factors to consider when getting a home loan and interest rates are only one element of the complete package. Ricardo Manuel Torres will help you consider all your options so you can concentrate on making the best decision for your needs.

You can apply at or Contact Ricardo Manuel Torres today at 956-739-5440 and let’s get started making your home-ownership a reality.

TEXAS RMLO #255493
COLORADO RMLO #100526846


About WBM

Putting our mortgage services to work for you

We offer the best mortgage tools available on the Internet – easy, convenient online shopping for the best loan programs and most current rates available, together with the assistance of an experienced live loan officer to guide you through the often difficult and confusing process of choosing and getting the exact loan to meet your specific needs.

We’re a full service mortgage banker with an experienced staff offering expertise in every area of mortgage lending – from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan – with the best rates, terms and costs – to meet your unique needs. But that’s just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports so you always know the status of your loan.

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Getting started is easy, whether you'd like to get pre-qualified or are ready to start an application. APPLY NOW through our WBM ApplicationTM or contact us to talk with one of our friendly mortgage experts. We're here to help and answer all of your questions.

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