Rick Mikel at American Security Mortgage

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United States
Cary, NC
Rick Mikel at American Security Mortgage

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A passionate mortgage lender who is an expert at choosing the loan solution that is right for you.

NMLS #225681
American Security Mortgage Corp
NMLS #40561
We are an Equal Opportunity Lender

11/02/2026

What if you could save more each month without negotiating a lower home price? 🏡

Let's say you're buying a $550,000 home and the seller agrees to $16,500 in concessions.

Here's how you could use it. 👇

1️⃣ PRICE REDUCTION

Use the $16,500 to lower the purchase price. You'll borrow less, which can lower your monthly payment.

2️⃣ SELLER CREDIT

Use that same $16,500 toward a mortgage rate buydown. Depending on your loan, this could lower your monthly payment even more.

💡 Same $16,500, but potentially more money staying in your pocket each month.

Most buyers focus on negotiating the price, but how you use those concessions can make a big difference.

Before making an offer, let's run the numbers and see which option could save you more.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/30/2026

🏡 Same price tag. Different monthly payment.

Two homes listed at the exact same price could cost you very different amounts each month.

Why? Property taxes, homeowners insurance, and HOA fees all play a part.

And those little differences can add up!

👀 Have your eye on a home? Send me the listing! Let's see what your actual monthly payment could look like before you make a move.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/28/2026

The market won't wait, but the right opportunity could be closer than you think. Let's see what's possible for you.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/26/2026

The price of a home isn't the only thing worth looking at. How you structure your mortgage matters, too.

There may be ways to make your monthly payment more manageable that you haven't considered.

Before you put your home search on hold, let's run the numbers and see what's possible.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/23/2026

That home you're eyeing could come with more than you expect.

Builder incentives or seller concessions may help with certain costs of buying a home, depending on the property and agreement.

Before you make an offer, give me a call. Let's see what opportunities may be available and how to make the most of them.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/21/2026

Your rental property could be doing more for you than you think.

The income it generates could help you qualify for financing on your next investment, without relying on your personal income the way a traditional mortgage might.

Have your eye on another property? Let’s see what your rental income could help you do next.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/19/2026

Refinancing isn’t always about what’s happening in the market. Sometimes, it’s about what makes sense for you.

You may be looking to remove PMI, access equity, change your loan term or remove someone from the loan. Whatever the reason, it’s worth looking at the numbers and seeing what makes the most sense for your situation.

If you’re wondering whether refinancing could benefit you, let’s talk.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/16/2026

Buying a home involves more than finding the right property. How you finance it can make a difference, too.

There may be ways to structure your mortgage that better fit your budget and goals.

Have a home purchase in mind? Give me a call. Let's see what your options could look like before you make your next move.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/14/2026

What if the monthly payment you had in mind isn’t your only option?

How a mortgage is structured can make a difference, and there may be options you haven’t considered yet.

Before you rule out buying based on a payment you’ve estimated on your own, let’s look at what could work for you.

Reach out and let’s run your numbers.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

10/12/2026

The market is starting to give buyers something they haven’t had as much of lately: options.

More homes to consider can mean less pressure to rush and more opportunity to negotiate.

That doesn’t mean every home or neighborhood is the same. But if buying has felt out of reach, it may be worth taking another look.

Let’s talk about what your options look like right now.

📞 630-309-5455
📩 [email protected]

NMLS 225681 & 40561
Equal Opportunity Lender

Address

201 Shannon Oaks Circle #202
Cary, NC
27511

Telephone

+16303095455

Website

https://americansecuritymortgage.com/loan_officer/mikel-rick/

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