As a mortgage lending professional, I guide clients through one of the most important financial decisions of their lives every day. But beyond my professional experience, I bring something equally important to the table — personal experience.
I purchased my first home when I was single. Later, my wife and I bought our first home together. As our family grew, we moved again — and then again — each time searching for the right space to match the next chapter of our lives.
I know what it feels like to buy your very first home. I understand the mix of excitement and uncertainty. I’ve experienced the moment when kids run through a new house and immediately start picking out their bedrooms. I’ve also felt the pressure that comes with timelines, finances, and making the “right” decision for your family.
Buying a home is more than a transaction — it’s a milestone.
Because I’ve walked this path myself, I approach every loan with urgency, care, and a deep respect for what’s at stake. My goal is not just to close loans. My goal is to guide you confidently through the process and take every possible measure to help you get into your home smoothly and successfully.
Whether you’re purchasing your first home, upgrading for a growing family, or stepping into a new season of life, I understand what you’re going through — and I’m here to help you every step of the way.
Rick Alcalá's Testimonials
The staff is always helpful and friendly when I go in and need some help. The way they handle all their member's concerns is nothing short of professional.
Matt G
Client
I was introduced to the incredible team at Granite Bank about a year ago. The entire Granite Bank team from the tellers all the way to the mortgage and commercial lending officers have definitely provided a small town bank feel with big bank benefits and resources. You will never be just an account number with this bank. They have made every transaction I have had with them from a simple deposit to a new home construction loan and Mortgage as seamless and smooth as one would hope for. This is the way banking should be. Thank you Granite Bank for all you have done !!!
Julian J
Client
Excellent establishment! Great customer service and efficient, quick, and friendly Representatives. You'll get your value going here!
Brent L
Client
