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October 1, 2024
Ricky Guadarrama
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Ricky Guadarrama

Mortgage Advisor • Portland Branch • NMLS #445583

Phone number
503.381.8085
2737 SE 21st Ave, Portland, OR 97202

About Ricky

Ricky Guadarrama is a Mortgage Advisor with American Pacific Mortgage (NMLS #445583), based in Portland, Oregon. His primary market is Oregon and Southwest Washington, where he helps first-time homebuyers, move-up buyers, and real estate investors finance their homes.

Ricky has worked in the mortgage industry since 2003 and joined American Pacific Mortgage in 2024. Most of his clients use conventional loans, and he also works regularly with FHA and VA financing. For investors and borrowers whose income doesn’t fit a traditional loan, he offers non-QM options, including DSCR (debt service coverage ratio) loans that qualify based on a property’s rental income. He takes time to explain each borrower’s options and walks clients through the process from pre-approval to closing.

Ricky works with clients and real estate partners throughout SE and NE Portland, Gresham, Clackamas, Milwaukie, West Linn, Salem, and Vancouver, Washington. He is licensed in Oregon, Washington, Arizona, Colorado, Florida, and Texas, so he can also help clients who are relocating or buying in another state.

Born and raised in Cuernavaca, Mexico, Ricky has lived in Portland since 1990. He is bilingual in English and Spanish, and many of his clients are Latino homebuyers who value working with someone who understands their language and their goals. To start a conversation, call Ricky at 503.381.8085.

Licensed in WA, CO, FL, OR, TX and AZ

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This material is provided for informational purposes only and is not guaranteed to be accurate or complete. The programs described may not include all available options or pricing structures. Rates, terms, programs, and underwriting policies are subject to change without notice. Refinancing may result in higher total finance charges over the life of the loan. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Certain products may not be available in all states and restrictions may apply. Please consult your loan advisor for complete details. Licensed by the Dept. of Financial Protection and Innovation under the CRMLA. CA-DRE #01215943; Massachusetts Mortgage Broker License MC 1850/LS 1850; AZ BK 0906702. Licensed by the NJ Department of Banking and Insurance. Rhode Island Licensed Lender. Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details. For licensing information, go to NMLS Consumer Access, NMLS #1850. Equal Housing Opportunity

Reverse mortgages are loans offered to homeowners who are 62 or older who have equity in their homes. The loan programs allow borrowers to defer payment on the loans until they pass away, sell the home, or move out. Homeowners, however, remain responsible for the payment of taxes, insurance, maintenance, and other items. Nonpayment of these items can lead to a default under the loan terms and ultimate loss of the home. FHA insured reverse mortgages have an up front and ongoing cost; ask your loan officer for details. These materials are not from, nor approved by HUD, FHA, or any governing agency..

This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. The APM DBA is not in use in Idaho.

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