Rick Fonseca, The Mortgage Guy NMLS #1183948 AZ-LO 0928484

Rick Fonseca, The Mortgage Guy NMLS #1183948 AZ-LO 0928484 Helping Arizona families buy and refinance with confidence. NMLS #1183948 • AZ-LO #0928844
Carpenter Home Loans LLC • NMLS #1937133

Purchase • Refinance • FHA • VA • First-Time Homebuyers
Mortgage education and lending guidance you can trust. Specialties: To provide you the client a free consultation with the best interest rates available within your capacity to qualify for a Mortgage and provide you with a PRE-QUALIFICATION detailing how much of a Mortgage you qualify for and work in time lines provided to close your loan on

schedule so all involved are not wasting precious time. NMLS # 1183948 AZ-LO 0928484. Barrett Financial Group LLC Arizona License – 181106 An EQUAL HOUSING LENDER

02/06/2026

No necesitas crédito perfecto ni 20% de enganche para comprar casa.

Lo que necesitas es información correcta.

Muchos califican antes de lo que creen.

Comenta “COMPRAR” o mándame mensaje.

02/05/2026

You don’t need:
❌ Perfect credit
❌ 20% down
❌ Years at the same job

But you do need the right information.

Many renters qualify sooner than they think — they just don’t know it yet.

Curious where you stand?
Comment “BUY” or message me.

02/05/2026

Not everyone should refinance.
Not everyone should buy right now.

My job isn’t to push loans —
it’s to help people make smart decisions with real numbers.

If you want honest answers, I’m here.

02/04/2026

Muchos creen que refinanciar solo depende de la tasa.
Pero también se trata de tranquilidad, flujo de dinero y control.

Si ya tienes casa y quieres entender tus opciones,
comenta “OPCIONES” o mándame mensaje.

02/03/2026

Most homeowners think refinancing is only about rates.
It’s not.

It’s about:
• Cash flow
• Stress level
• Flexibility
• Long-term control

Sometimes the smartest move isn’t waiting — it’s understanding your options.

If you already own a home and want clarity, comment “OPTIONS” or send me a message.

01/29/2026

Quick question for renters thinking about buying…

What if you already qualify for a home — but no one has ever explained it to you?

• What if your credit is “good enough” already?
• What if your job history actually works in your favor?
• What if you don’t need as much money down as you think?

Most people don’t lose opportunities because they can’t qualify.
They lose them because they never asked the right questions.

If you’ve ever wondered “Could I buy a home?”
Comment BUY or send me a message and let’s look at your situation.

No pressure. Just clarity.

01/23/2026

If you already own a home and feel stressed about money, you’re not alone.

I speak with homeowners every week who are:
• Struggling with high mortgage payments
• Buried in credit card debt
• Unsure if refinancing is even possible
• Afraid to ask questions because of past credit issues

Here’s the truth:
Many people still have options — they just haven’t had anyone explain them clearly.

That’s why I offer free mortgage reviews for homeowners.
No pressure. No judgment. Just honest answers.

Sometimes the outcome is:
✔ A lower monthly payment
✔ A plan to use equity wisely
✔ A strategy to clean up debt
✔ Or a clear roadmap for the future

If you want clarity about your situation, comment “INFO” or send me a message.

I’m here to help.

01/20/2026

Quick question for homeowners:
When was the last time you reviewed your mortgage?

Rates, programs, and options change — and many people miss opportunities to:
• Lower their payment
• Pay off debt faster
• Use equity wisely
• Improve their financial position

I offer free mortgage checkups for homeowners who want clarity and options.
No pressure. Just real information.

Comment “REVIEW” or message me if you’d like me to take a look.

01/19/2026

Is your mortgage payment too high?
Are credit cards starting to feel overwhelming?
Feeling stressed about money each month?

You’re not alone — and you do have options.

I’m Rick Fonseca, a licensed mortgage advisor in Arizona, and I’m offering a:

✔ Free mortgage review
✔ Personalized plan to lower your monthly payment
✔ Options to consolidate debt using home equity
✔ Private, no-pressure consultation

Many homeowners don’t realize they may be able to improve their situation without selling their home.

If you’d like me to review your case, comment “HELP” or send me a direct message.

I’m here to help.

01/17/2026

¿Sientes que tu pago de casa está demasiado alto?
¿Las tarjetas de crédito ya se salieron de control?
¿Te preocupa el dinero cada mes?

No estás solo. Y sí hay opciones.

Soy Rick Fonseca, asesor hipotecario en Arizona, y estoy ofreciendo una:

✅ Revisión gratuita de tu hipoteca
✅ Análisis para bajar tu pago mensual
✅ Opciones para consolidar deudas usando tu casa
✅ Consulta privada y sin compromiso

Muchas familias no saben que pueden mejorar su situación sin perder su casa.

Si quieres que revise tu caso, comenta “AYUDA” o mándame un mensaje privado.

Estoy aquí para ayudarte.

“Comenta ‘AYUDA’ o mándame mensaje privado”

01/01/2026

🏠 Think you can’t qualify for a mortgage? Don’t count yourself out yet.

Lots of families assume they won’t qualify because of things like:

• past credit mistakes
• old collections
• not-so-perfect credit
• being self-employed
• or being told “no” by another lender

Here’s the truth ⬇️
Every lender follows different rules — and sometimes the answer changes when we take a fresh look.

If you want a private, honest second opinion, send me your question here — I’ll review it personally and reply in private:

👉 Ask your mortgage question here (confidential link):
https://api.leadconnectorhq.com/widget/form/MZOftFQ7sOu3PsckGlCC

No pressure. No obligation. Just clarity.

01/01/2026

🟡 “My credit isn’t perfect… should I wait to buy a home?”

I hear this all the time — and in many cases, buyers are closer than they think.

Sometimes a tax refund is exactly what helps someone:
• pay down the right accounts
• lower their debt ratio
• or get over the credit score hurdle to qualify

If you want a straight, honest opinion about what to do next in your situation, ask your question privately — I’ll review and reply personally.
📩 Confidential Question Form:

Address

1921 S Alma School Rd Ste 201
Mesa, AZ
85210

Telephone

+16028548199

Website

Alerts

Be the first to know and let us send you an email when Rick Fonseca, The Mortgage Guy NMLS #1183948 AZ-LO 0928484 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Rick Fonseca, The Mortgage Guy NMLS #1183948 AZ-LO 0928484:

Shortcuts

Share

Category

The Fonseca Team at Leader One Financial

I am a dedicated Mortgage Loan Originator providing my clients with knowledgeable and professional service. I assist borrowers overcome roadblocks that can arise while securing a loan. Whether you are ready to purchase or want to refinance your current home. I review and explain all available loan programs along with current interest rates. I have been passionately helping individuals and families reach their dream of home ownership. I have a dedicated team to help me ensure a smooth closing for my clients. HOW I DO IT: With respect, cooperation and treating people like people - the way we all should be treated. Taking an in depth look at your credit situation and current income I can see where there are opportunities to make adjustments and increase your chances of getting an approval. WHY IT WORKS: We are a Mortgage Company and as a team we openly collaborate to solve problems, we all work together to make our service the best it can be. We understand that this is a Team Effort and by working together we can accomplish the end result which benefits all involved. Here is a list of products we offer: Residential home loans whether Conventional, FHA, VA and USDA. Home loans for vacation and investment properties. Jumbo Loans. Refinance your current home, various loan options available i.e. payoff debt with a refinance. I would like the opportunity to assist you in your residential mortgage and if you know someone else who is looking to purchase or refinance I want to help. Thank you.

Rick Fonseca NMLS # 1183948 - AZ State License LO-0928484 The Fonseca Team

Leader One Financial |Equal Housing Lender | NMLS ID 12007 (www.nmlsconsumeraccess.org)