Customer Testimonials

We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership. We want to add you to our list of very satisfied customers.

Read what others have said about working with us:

What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

Thank you Rick. Rick did a great job getting the best rate with the lowest amount of money to close with the variables changing a few times and a short. close date he pulled it off with time to spare, (Awesome) I am very happy with the customer service he supplied.

Wade Stanton

They are great to work with.

Rick and his team did everything they could to get me the best loan possible

They are great to work with.

Rick and his team did everything they could to get me the best loan possible

Calling Rick to help with an unexpected forced refinance worked out great for me. From the first call Rick was friendly and helpful. His knowledge of the mortgage business was a benefit as I had a lot of questions and needed some extra help. I called him often during the process and every question was answered and each issue that came up was taken care of promptly. Rick went above and beyond to make my refinance as easy and smooth as possible. Whether you’re looking for an original mortgage or a refi I highly recommend Loans By Rick.


Thanks very much for the positive testimonial.

Alice Robertson

I'll always go to Rick when I need a loan. Great service and always a competitive rate.


Very good service, we changed our minds for the property we applied for and Rick just redirected the loan to the second property without any problems. Good job !

Dr Jacques

We had a complicated loan and Rick was able to close in less than 30 days. He really helped us through the process. Much appreciated.


We have used Rick twice now, once for a refi and once for a new home purchase and he has always done what he says he can do in a very timely manner. Very personable and pleasurable to work with, treats you like a real person instead of just a number. You can call him anytime day or night and weekends and is always there to answer your questions. We highly recommend Rick for all your home loan needs. Five Star Service

Todd and Deena Breier

I have been working with Rick and his team for the last year and as an escrow agent it is very important to have a great relationship with Lenders and Mortgage Brokers. Rick and his team is beyond amazing to work with. I am always amazed at how quickly we are able to close on loans together and how organized and communicative he and his team is. I LOVE working with Rick and would recommend anyone to work with him. Especially those looking for fast closing with great results!

Amy Bowles

I have worked with Rick on two loans:) He does what he says he can do! His loans close quickly and with good interest rates! I would recommend anyone use Rick's services!

Bonnie Ash

I am a REALTOR® in the Salt Lake City Metro area and have nothing but great things to say about Rick and his team! I can promise you that Rick has the clients interest at heart. He has worked miracles for my buyers and closed transactions early! I was working a transaction with Rick that wasn't looking like it was going to have a positive outcome, but Rick saved the day with his knowledge and experience. Rick is honest, hard working and fair. He won't let you or your clients down! I am grateful to know Rick and trust him completely with my clients financial needs.

Natalie Pate-Wagner

Colton Hansen approved

Rick worked with us from April until August 2021. He helped us understand everything we needed to know about purchasing our new home together. He was speedy, reliant, and sincere. Rick took our calls just about every time of the day we called. We even called him during breakfast before his office opened and he was willing to answer our questions. If he couldn’t take our call, he called back in less than 12 hours. He was so helpful with helping us make our dream come true of owning our own first home together. He will remain a great long-distance friend. I have and will recommend him to anyone looking for a great loan officer, who is willing to spend the time needed to answer all questions and run through every possible solution.

Reggie & Misty Pierce

We had a great experience with Rick. He is both professional and a genuinely nice person. When we originally approached Rick, we weren't sure what we needed. 15 year? 30 year? What would be best for us? He took the time to understand our long-term needs and worked up several proposals (15, 20 and 30 year) and offered some advice. His years of years of experience offered the perspective we needed. His team was quick and effective. Much thanks, Rick. Keep up the good work.

Mark & Kathleen Miller

Rick and his staff are absolutely the best people to work with. I have refinanced my home several times over the past few years, and Rick's service was by far the very best! It is hard for me to express in words how quick, efficient, professional, friendly, and trustworthy Rick and his staff have been for us. Our previous refinance experience took forever, and it was with our local credit union. I needed some cash much quicker this time, and Rick and his staff came through for us. We were able to to get everything done in about three weeks. Wow! I will definitely come back to Rick in the future, and I will be referring all my friends and family to him as well. Keep it up Rick! Thanks so much!

John Findlay

I recently got pre-approved for a mortgage by Rick. As a first-time homebuyer, Rick was able to provide me with extremely useful guidance and advice in what would have otherwise been a seemingly overwhelming process. He was there to answer any questions I had, and informed me of several different lending options and scenarios I had available to me.

Rick worked with me to get the most competitive rates tailored to my homebuying situation. He was communicative and efficient, and was able to get a letter to my Realtor in time to make a competitive offer in an aggressive market. A down-to-earth guy with a lot of integrity, he was an absolute pleasure to work with and I would highly recommend him to anyone looking to purchase a home.

John Phillip Brunkala

Rick is fair and stands by his word. You can't replace his experience.

Peter W Van Dorne

I have worked with Rick twice over the last 10 years.  He and his staff have navigated through my very complicated mortgage refinancing initially with historical short sale and more recently following a period of liens filed against my property.  He is professional, diligent and unflappable in his pursuit to close.  I would recommend working with him and his colleagues without hesitation.

Edward Frech

I met Rick about 3 years ago. While visiting family in Ohio, he and his wife made their way to Springfield to meet with me over a cup of coffee to tell me about his passion to help people to get to homeownership. He talked about the importance of building relationships, being kind and taking care of people. Of course that all sounded amazing and I could relate as I share the same passion but all mortgage brokers say that, right?  It wasn’t until I completed my first transaction with him that I was able to see all of his word put into action. I quickly realized this wasn’t just any mortgage broker, this was someone who goes the distance to take care of people and he maintains those same qualities from client to client. I know that when I refer someone to Rick that he will take care of them just as I would. I’m grateful that he made his way to Springfield, Ohio. I’ve gained not only an amazing mortgage broker to work with but even more, a friend. Thank you for being you, Rick. I look forward to continuing to do business with you. 

Nicole Harris

What a great experience!!! Working with Rick was delightful. What a such kind man. Sweet in dealing with us and very efficient in all the work he did. We closed in record time. There is not other like him. We truly recommend him. IB


Rick was an absolute pleasure to work with! He kept me on task and we closed the loan much quicker than I thought possible. Like everyone, life is fast and busy and staying on top of yet another thing is challenging but Rick was able to keep things highly organized and as easy to complete as possible. From writing letters for me to creating a profit and loss statement just so I didn't have to spend the time doing so was priceless! I would highly recommend Rick at Vintage lending if you are looking to refinance. He saved me hundreds of dollars a month in addition to reducing my interest rate by 50%! Thanks Rick!

Andy Hare

Rick and Angie were great to work with! They closed our loan quick and everyone we spoke with had not seen a interest rate as low as ours. Very smooth process, we couldn’t have asked for it to go better. Highly recommended them. 

Jeff and Courtnee

rick is absolutely amazing. i am a realtor and have never had any issues with his service. he is fast and attentive and goes above and beyond to help out to get my clients approved. he is really a genuine and amazing guy and ill be using him for many years to come 

michael riordan

We used Rick for a refinance and he was amazing! He closed our loan in record time, he communicated with us every step of the way, we always knew what was happening. He was professional and hard working! We closed in 14 days! We will use him again!

Mike and Ginger Johnson

My wife and I refinanced our home a couple months ago.
During the process a few problems arouse which were identified as ones created by me. I was impressed with Rick and his team, they were patient with me and able assist me in correction of course.
The whole process was fairly quick and painless.
Thank you Rick and team, good job.

David Vialpando

We loved working with Rick. He worked miracles for us and we absolutely love our home. He even called at our 6 month mark to get the ball rolling to refinance to a much lower rate. Rick is on top of things and diligent until the close. Use Rick!


Rick was just what we needed to get the numbers to work for us! The loan process was quick! Lots of communication throughout and great customer service. We really enjoyed working with the team.

KaeCie Argyle

I have known Rick for a long time. He is the most determined and loyal person I know. His success in the Mortgage Industry did not come by luck, It was his  hard work and determination to take care of his Clients. Once a client your are a family member . Rick is always looking out to give you the best deal because he honestly cares about you feeling great about the Loan.  I think Rick is the Best Loan administrated person in the West. 

Mark Pierce

Rick did a great job for my clients. He qualified them for the mortgage loan when another lender said “no” and they were able to close on their dream home on time without any delays. He was great at communicating throughout the entire process and kept us all in the loop on how the transaction went. Highly recommend him to others. He gets the job done when others say they can’t. 

Olga Farnsworth

Rick and Angie did an amazing job.  Rick definitely will do what he can to move and close on your loan.   We were able to close within 20 days.   Rick and Angie go above and beyond to work to get your loan approved. 

Steve Lence

Talk about being miles away from Utah, Rick has worked with us 2 different times. The process is very smooth and we highly recommend Vintage Lending, Rick and staff. Thanks for always looking out for us!!


This is our second time working with Rick! He reached out to us to help refinance our mortgage with a lower rate. So happy to have him and his team looking out for our bottom dollar. Thanks again!


My husband and I built our first home recently and our builder had a preferred lender. We were skeptical to venture out and see if we would find comparable rates but we did. Not only was Rick's pricing better the amount of time and responsiveness was incredible. Rick and Angie made our process painless and with ease. We are so grateful that we went through Vintage Lending, I would 100% recommend them.


Rick took the time to not only find us the perfect loan, but to explore every option for us. We ran countless scenarios until we found the perfect balance for exactly what we wanted and needed. He’s also the type of person that didn’t just make me feel like a number. He cares about what you want and is able to make the process not only easily understandable, but very quick. I couldn’t believe how fast we went from my first conversation with Rick, to signing closing documents and getting the loan funded. I can’t thank and recommend Rick and his team enough and look forward to working with him on our next real estate endeavors. Thanks, Rick!

Landon Coleman

It can't be said enough, working with Rick is incredible! He is so knowledgeable and goes above


Rick was great to work with. I was under a deadline and Rick made my refinance happen in 2 weeks. He is thorough, he is honest and he works hard for you. I am ready to send another referral his way. Thank you Rick and Vintage Lending!!

Misiona P

Rick is the total down to earth professional. Makes you feel as though your loan is his top priority. Great to work with.

haywood stokes

Working with Rick for our first home purchase has been beyond easy. Through out the whole process, amazingly fast by the way, he has answered any questions quickly and clearly.
I am inpressed with how much he has done to get us a great interest rate (2.875%!) for our loan, as well as helping us close everything up. I would recommend Rick and vintage lending to anyone, especially if you want the process to go fast and smooth.

Nathan B

Rick was awesome - easy to work with; responsive by text, email and phone; and knowledgeable.  This service allowed us us to close in 14 days.  Amazing!

Scott Eck

Rick was flexible and efficient. I've never had a loan go so smoothly. He sat down with us and talked out every detail and let us know anytime something had the chance to change. He was open and honest and made the process about what we wanted, unlike the banks that tried to tell us what we were going to get. Can't recommend him enough.

Solomon and Jessica

I’m so very appreciative to Rick for his assistance on my purchase. He was so kind, candid, patient, and of course knowledgeable throughout the process. He provided me the confidence I was lacking as I was pursuing this solo without my husband.  He was complimentary of my credit history and so very “down to earth”! At no time did I feel like a number or even a client, I actually was treated like a dear friend or family. Thank you so very much

Theresa Kaszubski

Rick has helped me refinance my home 2 times. Both times I have gotten the results that I expected. I would highly recommend people to consider working with Rick as he will take good care of you even when he is on vacation. He will take the time to make sure things are going the way you want them to be.

Jose S Zavala Jr

Rick helped me with our mortgage that saved me some money. Thanks


Just writing a testimonial for Rick Kirschenbaum for a very professional job with my refinancing of my home. Anytime I needed questions answered Rick was available at all times and or day of the week! He was very honest and easy to work with, he knows this game of the mortgages and the numbers it takes to make it happen. I would highly recommend his company to anyone in need of the buying or refinancing real-estate. Thanks Rick

Dr. Kasey

As first time homebuyers, trying to understand all of the ins and outs of home buying financially was quite overwhelming and because of our unique financial burdens, many lenders could not help us. We were recommended by our realtor to talk with Rick to get a second opinion as we were unsure about using another lender. From the very beginning, we knew we made the right decision in doing so as Rick was thorough, honest and spent the time to allow us to understand every penny we were spending. We are very grateful for Rick, his flexibility and timeliness and helping to guide us along the way. His professionalism and understanding superseded far what we expected and would highly recommend him to provide the same for anyone else looking to purchase a home!

Sam M.

I recommend Rick and Vintage Mortgage highly. Rick was able to get me a better interest rate and a quicker closing date. He also assisted me in helping me raise my credit score so I could take advantage of lower rates. Rick and his team are professional and thorough. Thank you!

Lisa Kugel

Rick is wonderful to work with - very professional, knowledgeable and he has a real desire to assist his clients purchase a new home! We have worked together, I am a Realtor, and he goes the extra mile for my clients when they purchase a new home. I enjoyed working with him and I know my clients really appreciated him!
Lesa Andersen Gilgen - Realtor® with Coldwell Banker Residential

Lesa Ann Andersen Gilgen

Rick was very helpful in helping me refi my home. Rick was willing to answer any question I had . My loan only took 14 days from start to finish. I would highly recommend Rick to my friends and family.

Dena Bingham Lund

Rick has helped us Finance 2 of our rental homes with great rates,is very responsive to any phone call , day or night , he truly cares about you and the costs of your loan , he treats you like a friend and I've personally never met him. He also Refinanced our personal home loan acouple years ago now on a jumbo 15 year loan for 2.8 percent which was highly uncommon , so we are extremely grateful for Ricks knowledge in the Loan and Refinancing Business . I would Recommend Rick to Anyone. Thanks for everything Rick !!!!

Gene Anderson

Rick did a outstanding job with the refinace of our home. He was on top of the game and he completed his task by finding us the lowest interest rate. Thank You for all you have done for us in the years.

Kimberlie Jameson Riley

I got recommended to Rick from our lawyer. I needed to refinance my house. Rick did an excellent job. He kept me informed of everything I needed. He also kept me informed of any documents I needed and when I needed them. His hours were flexible and easy to work around. I highly recommend Rick for your lending needs.

Rebekah Whitaker Braly

First time home buyers so we came into the market head on. The experience we had with Rick made everything seem smooth. He is very professional and gets things done FAST. It was nice to have him explain and confirm everything throughout the process. Ricks the man.

Lazaro Soto

Rick has guided me through several loans, always with clear and timely communication. I have full confidence in his skill set, and will undoubtedly turn to him again.

Steve Gange

just wanted to take a minute and tell you thanks!! We really appreciate everything you did… Keeping us updated and current on all the information…Letting us to know Where we were in the process…And for being upfront and honest with us! It was nice doing business with you!! And that definitely send people your way!!

Tammy Bircumshaw

Being self-employed makes it tough to get a loan. Our loan was especially difficult. Rick worked like mad to with true dedication to finding us the best options with the best rates. He was always available to answer questions and help with the process. Others failed miserably and Rick was able to get us into our new home. I would recommend him to any and everyone.
Thanks Rick

Katie Knighton

Rick is awesome to work with!! He makes you a priority and gets everything done extremely quickly. He goes out of his way to find the best rates and puts his clients first. He has helped me with 3 different loans and always is professional and quick and always answers call and gets questions answered in a timely manner. Thanks Rick!!

Mary Pearson

Any question at any time Rick is was there. He made us feel like a priority and we got a great rate no one else could find a leader that could came close. Thanks Rick.

Brooke Kirschenbaum Cousino

We worked with Rick to refinance all 3 of our houses. He was the only one that could that that for us! He did a great job and saved us a lot of money!

Heidi Szerszen

Rick was easy to work with and a good problem solver! He would be my first choice if I ever refinance my home again. I never felt like I was being "worked over" by a finance wizard! He made me feel like he was genuinely there to help me. A special
"Thanks" to you.

Rita Stafford

Hi Rick, I just wanted to thank you for getting the refinancing done on my home. It was the fastest and smoothest finance I've done so far. I do tell everyone about how great a service you provide. Hopefully, you’ll hear from them. I do appreciate your time and effort in getting the loan done in a timely manner. Thanks again.
Best wishes

Balon N Alonso

After 4 years (5 since it all began) I have been trying to get my house refinanced in my name. I so happy to say that it is finally done! I want to thank Rick Kirschenbaum of Vintage Lending for helping me. Not only was he willing to take on my crazy situation, he was there to explain every step and made the process easier. My situation is so much better now and I am forever grateful!

Leslie W.

Rick was one of many people/groups that I contacted to do my refinance. He was quick to respond and showed his concern and knowledge. So I decided to work with him. I am glad I did. He discovered some problems with my credit report and with his guidance I was able to increase my score and qualify. Though this took time and interest rates increased during this time, his constant work and willingness to serve still made a nice reduction in my interest rate. I will be referring others to Rick because of his professionalism and caring about his clients.


I have a trusted friend and real estate agent in Logan, Utah, Justin Nunez, who lined me up with Rick as my Mortgage Broker last year when we were looking in for a house in Utah County. It was a real stroke of luck for us. Beyond being personable, patient, and extremely helpful in explaining the basics of things I don't normally deal with, he got me a nearly un-heard-of rate at the time, and the best rate I could have ever gotten. (It was a fortunate combination of the amount of money I had on hand to put down and the interest rate at the time.) I recommend him to anyone I know, and I'll use him again for myself or my children when they are looking for housing in the near future. I not only liked working with him, I liked him personally.

Eric Bates

My husband and I have done several purchasing loans, as well as refis with Rick and will continue to do more. We own a couple of homes as well as rental properties and Rick always finds us the best deals and the best rates. He is great to work with, has many helpful colleagues and we are always satisfied with his work. Rick tries to make the closing as easy as possible, we have even signed the final papers in our own home in order to accommodate my husbands crazy travel schedule. Another great thing about Rick, is that he doesn't forget about you. If in the future the market changes and better deals come up, he will call and let you know that you have options. We have worked with him for years, I have recommended him to my family and friends and we will continue to call on Rick in the future. I highly recommend giving Rick the opportunity to help you. RICK IS MY NUMBER ONE LOAN OFFICER!


I have worked with Rick Kirschenbaum for the last 6 years. I never stress over his closings because his clients are always very happy and appreciative of him. Unlike other loan officers he never has added fees that are not disclosed up front. His interest rate is always as he has disclosed. Rick is always able to get the loans done even the tough ones. He seems to always find a way to make it work. He is a very caring and hard working individual. I refer all my family and friends to him! I wished all my loan officers worked as he does. It would make my life much easier.


Over the years I have refinanced three times with Rick to get a better rate. He knows all the angles to get you the best deal. If I ever refinance again, I will call Rick.



Rick took the necessary time to understand our needs and then undertook an exhaustive search for what proved to be the best refinance for us. He took care of every detail, and advised us with professionalism along the way. He was a pleasure to work with and I'm sure we could not have done better elsewhere.


Definitely Recommend!

For anyone wanting a mortgage but not sure if you'd even qualify, this is the person for you. Rick helped my husband and I buy our dream home. We didn't think us owning a home would every happen. Especially one that we absolutely loved. We were able to get a surprisingly great rate and close in under 30 days. I would definitely recommend him and will use him again if I have any future needs.


As soon as we talked to Rick, we knew he understood the refinance market. He worked quickly to lock in an optimal interest rate for us and guided us patiently as we gathered our documents. In a very reasonable amount of time he was able to finalize a new mortgage that took years off our payments while maintaining our financial security. We also were most grateful for the sincere consideration he showed us during the process. It was a pleasure to work with him. Rick would be at the top of our list if we ever need to refinance again.


Wonderful Experience! We enjoyed working with Rick. He is extremely professional and works had to assist you to get the refinance completed timely. We will use Rick the next time we are needing mortgage assistance.


The best and easiest Mortgage/Refinance I have every been though. Rick & Shantel were wonderful. They took the stress away and were always there when we had questions or concerns. We were truly delighted with the end results and wouldn't hesitate to recommend them to all our family and friends. Thank you so much Rick & Shantel.

Chris & Doris Nadal

Best Refinance Rates!

Rick demonstrated a superb knowledge of mortgage rates and the strengths and weaknesses of a broad array of financial institutions. He guided us to a company that provided the absolute lowest rates possible and helped us assemble the required documents. He did a great job.


Rick was wonderful! Rick helped me refinance my home to get a better interest rate. My rate was already pretty low, but he was able to help me save about $350 per month by refinancing. He was great to work with and made the process easy for me. He knows all the ins and outs in order to get the best deal possible for his clients. If I ever refinance in the future, I will use Rick. I will refer any family or friends that need to refinance to him as well. I am very happy and satisfied with his services.


Rick puts himself forward for his clients! When I had my house financed, Rick worked hard to get a great set of terms for my loan. He even put his office's reputation on the line to make sure my loan got a great rate, when the bank wouldn't work around some minor construction closing delays. I would definitely do business with Springwater again. (In fact, I did, when the interest rates kept coming down and I refinanced to lower mine.


Rick gets it done right! Rick is excellent at getting the best price on a loan. He is very professional, prompt, and gets things done. I have used him on my original home loan, then again to refinance. He is good at cutting through all of the complex wording to describe what it actually means. He also has a cracker jack paper-working team. I wouldn't hesitate to use him in the future. Very good!


Rick is a true professional! Rick helped me get my loan on my house and he did an outstanding job. Rick kept me informed every step of the way and made things very easy for me. I refer all my family and close friends to Rick because of his excellent service and always going the extra mile to minimize the problems that can arise during a loan process. Rick knows his job and does it very well. This is not my first purchase. I know the difference between a good broker and a bad one. You want Rick Kirschenbaum.


We have used Rick for 3 loans so far. 1 purchase and 2 refinances. All have gone smoothly with no delays or extra costs. What more can you ask for from your mortgage professional. If you want someone that will personally work hard for you, and not get lost in some unknown online maze, Rick will personally walk you through the complicated process making it seem easy.


Done many deals with Rick and will do many more!! My husband and I have done several purchasing loans, as well as refi's with Rick and will continue to do more. We own a couple of homes as well as rental properties and Rick always finds us the best deals and the best rates. He is great to work with, has many helpful colleagues and we are always satisfied with his work. Rick tries to make the closing as easy as possible, we have even signed the final papers in our own home in order to accommodate my husbands crazy travel schedule. Another great thing about Rick, is that he doesn't forget about you. If in the future the market changes and better deals come up, he will call and let you know that you have options. We have worked with him for years, I have recommended him to my family and friends and we will continue to call on Rick in the future. I highly recommend giving Rick the opportunity to help you.


I am a self employed business owner of a successful mechanical plumbing company. I have been self-employed for over 22 years and have excellent credit. As I tried to refinance my home mortgage through the lender that I had at that time they denied my application even though I was making sizable "extra payments" on the principal balance. When I spoke with Rick the first time he told me he thought we could make this work but it would take some extra effort on our part. The phrase of "peeling back the onion" was what he referred to it as. After many phone calls and submissions and re-submissions we were successful and I got the lower rate we were looking for. Rick was very courteous, very good at calling back and very patient. I would recommend working with him highly after my experience with Spring Water Capital. Denice Sears, an assistant to Rick, was very detrimental to making everything go smoothly at the conclusion of the project. Again five-star rating in my book.

Jack Briskey


Feedback received

We've received your submission. Thank you for your feedback.