Rick Cogil

Rick began his mortgage career in 2011.  In the years prior, he worked in customer service until a position with a bank led him to his perfect match:  mortgage.  Rick fell in love with mortgage because it gave him an opportunity to build relationships and help others.  The mortgage process can be stressful and overwhelming, but Rick is committed to providing a simplified and straightforward experience for his clients.

Rick has made his home in Folsom, California and strongly believes in community involvement.  He is currently the Immediate Past Chair for the Folsom Chamber of Commerce.  In 2014, Rick was named Folsom’s Young Professional of the Year.

When Rick doesn’t have his nose to the grindstone, you can find him playing mediocre golf, making changes to his fantasy football team lineup and adventuring with his wife and young son. You will also see him sporting some form of facial hair each November as part of his fundraising efforts for HairsThatCare.com.

 

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NMLS #642818

Testimonials

5 ★ on Reach150, Dec 01, 2018

Steve

Rick did a great job working with my daughter and her husband on getting them a home loan for their first home. I hope everyone takes the ti... Read More

5 ★ on Reach150, Nov 19, 2018

Shannon

Rick did a great job at coordinating the mortgage process. He went out of his way to make time for me to get initially pre-approved. He was ... Read More

5 ★ on Reach150, Oct 29, 2018

Jamie

Rick is amazing at guiding buyers through the loan process! He is very prompt when answering his phone or email and keeps all parties in the... Read More

5 ★ on Reach150, Sep 14, 2018

Brenda and Vince

Rick was awesome in our home buying process! We closed our home in less than 20days with a VA loan! He kept us informed through escrow and e... Read More

4 ★ on Reach150, Sep 09, 2018

David

Rick was very informative at every step. He kept me updated on the progress of the funding for the home I sold to his clients. He was always... Read More

5 ★ on Reach150, Aug 07, 2018

Sunseerie

Rick and his team were great! We were a little confused with all the paperwork and documents required but Rick and his team were brilliant i... Read More

5 ★ on Our Website, Aug 06, 2018

Michael

Rick was great and spent extra time working is through this process. I would absolutely recommend him.

5 ★ on Reach150, Aug 03, 2018

Rhonda

Rick didn’t do a good job, he did a great job for all of us! I was the seller’s agent and he was the buyer’s lender but he made it fee... Read More

5 ★ on Reach150, Aug 02, 2018

Haley

I've known Rick for 3 years and he has always held himself to a high standard of integrity in everything he does. He is honest, hardworking,... Read More

5 ★ on Our Website, Jul 20, 2018

Robert

Rick and his team went above and beyond the normal lender experience, I feel that they really listened to me and what my needs were. Rick k... Read More

5 ★ on Reach150, Jul 20, 2018

Robert

Rick and his team went above and beyond the normal lender experience, I feel that they really listened to me and what my needs were. Rick ke... Read More

5 ★ on Reach150, May 28, 2018

Dawn

Rick made my refinance process incredibly easy. His follow through is fantastic, detailed and timely. I would highly recommend Rick for help... Read More

5 ★ on Our Website, May 22, 2018

Michael

On top of everything. Very accessible and approachable. Returns messages promptly. Goes out of his way to help you.

5 ★ on Our Website, Apr 27, 2018

Christian

Rick and his team were amazing and made the home buying process stress free, quick and easy. Definitely recommend him.

5 ★ on Reach150, Apr 25, 2018

Prachi

Rick knows the work best. He suggested us the best option available and made the whole process work without any complication. It was seamles... Read More

5 ★ on Reach150, Jan 12, 2018

Sheryl

My buyers loan was diffficult, but they had many options and Rick was able to give them the great advice so they could make the best decisio... Read More

5 ★ on Our Website, Dec 20, 2017

Jeffrey

No issues; very clear and proactive communication throughout

5 ★ on Reach150, Sep 04, 2017

Rusty

Rick worked the buyers end of the house I was listing. He was communicating all the time about the loan and the extensions during escrow wer... Read More

5 ★ on Reach150, Aug 22, 2017

Carl

I recently closed an escrow with Rick as the lender and I was very impressed with both his ability to get the Buyer's loan through underwrit... Read More

on Reach150, Jun 19, 2017

Steve

Rick knows what he's doing. That's a given. What I like about him is how organized he is, and how well he communicates. He keeps me updated ... Read More

5 ★ on Our Website, Jun 15, 2017

Mohit

We worked with Rick on mortgage for our first home. Rick helped us by going through a lot of different scenarios to get best rate for us. He... Read More

5 ★ on Our Website, Jun 08, 2017

Janet

I just bought a small condo and Richard Cogil was my lender. Rick is very knowledgeable and made this adventure very easy. Since this i... Read More

on Reach150, May 02, 2017

Scott

Rick is one of the best in the industry! I can always count on him to get the job done. He has helped me and a number of my clients on diffe... Read More

on Reach150, Jan 12, 2017

Robert

Rick did an amazing job working with my wife and I on our first home loan. His working hours were crucial in keeping us on track in the clos... Read More

on Reach150, Dec 28, 2016

Philip

Rick was professional and kept us updated at every turn. He made the borrowers feel comfortable with the loan process. His work and ability ... Read More

on Reach150, Dec 13, 2016

Lori

Rick was a great help in getting our loan processed quickly. He was very knowledgeable and helpful. My husband and I enjoyed working with hi... Read More

on Reach150, Nov 08, 2016

Adam

I would recommend Rick to anyone we had a hard time working with the seller and Rick went up and beyond to make things smooth as possible. W... Read More

on Reach150, Oct 28, 2016

Ford

My wife and I decided to buy a home with a pool which created a lot of work for my realtor. Meanwhile we put Rick Cogil to work getting us p... Read More

on Reach150, Oct 13, 2016

Felipe

To whom it may concern Please accept this brief correspondence as my personal recommendation for Rick Cogil. I believe you will find his pro... Read More

on Reach150, Oct 06, 2016

Ruby

I can't even put into words how helpful Rick was to me. I'm new to the business and he was so patient with me during my first transaction an... Read More

on Reach150, Oct 05, 2016

Joseph

I can't say enough about Rick's professionalism, true caring nature, service-oriented and extensive knowledge/connections. He brings all the... Read More

on Reach150, Oct 04, 2016

Joseph

I can't say enough about Rick's professionalism, true caring nature, service-orient d and extensive knowledge/connections. He brings all the... Read More

on Reach150, Aug 18, 2016

Dave and Lynnae

Rick was prompt, professional, and courteous. He was patient and thorough answering all of my questions. He kept the ball rolling and the pr... Read More

on Reach150, Aug 13, 2016

Krish

We went through the Rick for our home loan processing and we were on a very tight schedule. Rick ensured that the process is done on time wi... Read More

on Reach150, Aug 08, 2016

Randy

Rick has a good sense of urgency. Were already in escrow when buyer decided to switch lender. Explained the situation to Rick and with 24 ho... Read More

on Reach150, Aug 04, 2016

Hazuki

Rich has done a great job to make my transaction go so quickly and flawlessly. He is very nice, supportive and professional. Great to person... Read More

on Reach150, Jul 19, 2016

Amber

Rick was awesome and did everything he could to help me buy a house. He is really quick at calling me back. Anytime I had a question and he ... Read More

on Reach150, Jul 19, 2016

Becky

Rick did an amazing job for my client. He was in constant communication throughout the entire process with both my client as well as myself.... Read More