Lorne Ricord NMLS# 505246- Movement Mortgage

06/01/2026

As your equity grows, your payment can change. Reaching 20% could open the door to removing private mortgage insurance (PMI) and creating more flexibility.* *Not a guarantee for all loan types. Speak to a loan officer for your specific situation.

05/29/2026

💰 FINANCE FRIDAY TIP

Mortgage Tip:
👉 Don’t shop for a home based on the price—shop based on the monthly payment. A home’s list price doesn’t tell the full story.

Monthly payments can change based on:
Interest rate
Taxes and insurance
Down payment amount

Understanding your comfortable monthly payment before house hunting can help you:
Avoid stretching your budget
Make more confident decisions
Enjoy homeownership long‑term

A little clarity upfront can save a lot of stress later.

05/27/2026

The best time to prepare for buying a home is before you find “the house.”

When you start with financing clarity, a realistic timeline, and a solid plan, everything feels more manageable—decisions are easier, stress is lower, and confidence is higher.

Preparation doesn’t take the excitement out of buying—it protects it. ✨ Preparation creates confidence.

05/25/2026

We're grateful for the men and women who gave their lives in service to this country, and for the families who carry that loss. Take a moment to reflect on the sacrifices that make our freedom possible.

05/23/2026

5.0 star review received on Experience.com for Lorne Ricord by Mark S - Great customer service

Click to see all 129 reviews of Lorne Ricord, Senior Loan Officer

05/22/2026

How Fast Communication Saves Deals Right Now
In today’s market, speed matters—but clear communication matters more.

Quick responses can:
Keep offers competitive
Prevent small issues from becoming big problems
Keep everyone aligned from contract to closing
When buyers, agents, and lenders stay in close contact, deals move forward with less stress and fewer surprises.

If you’re buying right now, make sure your team communicates quickly, clearly, and consistently. It makes a bigger difference than most people realize.

05/20/2026

A pre‑approval is an important step—but it’s often misunderstood.

✅ It tells you:
An estimated loan amount you may qualify for
That a lender has reviewed your credit, income, and documents
Sellers that you’re a serious buyer

❌ It doesn’t tell you:
What home you should buy
What your final monthly payment will be
That you’re locked into anything
Think of pre‑approval as a starting point, not a finish line.

The real power is knowing how it fits into your overall plan. If you’re thinking about buying, clarity here can save you a lot of stress later.

05/18/2026

Insurance isn’t one-size-fits-all. Your location, coverage, and market shifts can all impact your costs over time. Start with a plan that accounts for more than just the basics.

05/16/2026

Today, we recognize the men and women currently serving in our armed forces. Thank you for your dedication and your sacrifice.

05/16/2026

5.0 star review received on Experience.com for Lorne Ricord by Valeriu C - As a first-time buyer, I was nervous and had no idea what to expect. Lorne made the entire process feel easy and understandable. He explained everything clearly, never made me feel silly for asking questions, and was always available when I needed him. Lorne helped me find a great loan program I didn't even know existed, and I closed on time with zero surprises.

Click to see all 127 reviews of Lorne Ricord, Senior Loan Officer