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Rick Ripma

Vice President of Sales at Union Savings Bank
Email
Office: 317-843-1006
Mobile: 317-284-0608
Fax: 317-284-0675

Hi, I’m Rick Ripma, Your Hard Working Mortgage Guy.
My team and I help folks like you finance their homes in Indiana at the very best overall mortgage option available to you. This insures that you receive the maximum financial benefit by working with us.
Have you ever financed a home and been charged thousands of dollars in closing costs? Maybe along with those outrageous costs you received slow to no response from you loan officer to your questions and concerns.
That’s what happened to me too before I started in the mortgage business. I was afraid of the process, I didn’t like giving my financial information, and I detested the cost of financing. I actually had one joker wanting to refinance me with charges of over $10,000. I really don’t like feeling that I am being taken advantage of and that is exactly how I felt.
Then I found Union Savings Bank and because a loan officer here. I learned the ins and outs of mortgages and mortgage financing. I worked to become an expert in mortgages. Now I’ve put this site together to give you access to what has taken me many thousands of hours to learn. You can now pick and choose the information you need to become knowledgeable, you’ll feel confident when shopping for a mortgage, and you will know the information you need to make a wise mortgage decision.
Since mortgage rules, regulations, and rates change constantly. I keep myself and my customers up to date on those changes.
It used to be, for our parents or grandparents, you had a relationship with your banker and you could just stop by and tell them what you wanted and with a handshake and a few signatures you had the loan you needed. Not anymore, today our government has gotten deeply involved in mortgages and has created a paperwork monster that you need an expert to help you plot a course through.
My team and I are the experts you need to plot that course. Our experience of working with thousands of mortgage customers has given us the knowledge and experience necessary to make your mortgage process very low costs and as painless as possible.
However, not everything works out when completing a mortgage. There are so many issues that can cause problems or require additional information. When this happens working with mortgage experts helps you navigate this mine field as painlessly as possible.
If you are thinking of refinancing or purchasing a home look through this website, take the time to watch the videos that apply to you, and then email or call us to discuss your individual mortgage situation and needs.
Thanks you for watching and please enjoy our free videos.

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