Rick Caires

  • Mortgage Loan Originator
  • NMLS: 1174425
  • (909) 230-4395
  • (909) 781-7254
  • (909) 296-4860
  • 9227 Haven Avenue, Suite 110
  • Rancho Cucamonga, California 91730

Welcome to my website.

Whether you're buying, selling, refinancing, or building your dream home, you have a lot riding on your loan specialist. Since market conditions and mortgage programs change frequently, you need to make sure you're dealing with a top professional who is able to give you quick and accurate advice on your home mortgage needs. I have the expertise and knowledge you need to explore the many financing options available.

Ensuring that you make the right choice for you and your family is my ultimate goal. And I am committed to providing my customers with mortgage services that exceed their expectations. I hope you'll browse my website, check out the different loan programs I have available, use my decision-making tools and calculators, and apply for a loan in just four easy steps with the short form Application.

After you've applied, I'll call you to discuss the details of your loan, or you may choose to set up an appointment with me using my online form. As always, you may contact me anytime by phone or email for personalized service and expert advice.



Process went fast. Questions were addressed quickly - A+.

Lirio E.

Very good customer service!

Perez Family

Outstanding service!

Salazar Family

Rick Caires is my lender. He was always very professional and patient. This was my first time buying a home on my own and he was always very patient and explained everything very clearly, every step of the way.

Irene N.

Rick was very informative. First time buyers and was really attentive and helpful. Was always in contact 24/7 and made sure we fully understand each and every question we had.

Gracia Family

We are very satisfied with the service provided by Rick Caires from Mountain West Financial Inc. Refinancing with professional assistance made us feel very pleased. We highly recommend their service.

Juana S. & Jesus N.

Rick and everyone involved was very helpful, communicated timely, and answered all of our questions. We will promote MWF to anyone we speak to in search of refinancing their homes. Thank you for everything!

Troy & Brandy M.

Rick was professional, detailed, great humor and most importantly very trustworthy.

Monte & Margaret P.

Rick did an incredible job of getting us a loan, when three other Loan Officers said it couldn't be done. Thanks, Rick! Our family is loving the homeownership, and it wouldn't of happened without your perserverance and hard work.

Chris W.
Ridgecrest, CA
Deciding Between a VA Loan and FHA Loan? Read This First.
Deciding Between a VA Loan and FHA Loan? Read This First.
Sep 19 2018   va loan home loan for veterans government loans for home improvement refinance cash out refi
Government-back home loans offer some of the best rates and perks, especially when it comes to Veteran home loans. But is that the right choice? Should you opt for an FHA home loan instead? Remember, our office is here to guide you! There’s no... Read More
Application Checklist
Application Checklist
Sep 18 2018   Application Checklist
Below is a list of documents that are required when you apply for a mortgage. However, every situation is unique and you may be required to provide additional documentation. So, if you are asked for more information, be cooperative and provide the... Read More
Down Payment Assistance Options
Down Payment Assistance Options
Sep 18 2018   Down Payment Assistance Options
One of the largest misconceptions about purchasing a house is that you need at least 20% to purchase a house. Mountain West Financial is a leader in affordable housing solutions, from down payment assistance grants to interest-free second mortgages... Read More
Why Refinance?
Why Refinance?
Sep 18 2018   Refinancing Refinance
Why refinance? There are several reasons to refinance a mortgage. You probably can think of the first one - to get a lower mortgage rate. Despite sinking rates, a lot of people haven't refinanced. But low rates are not the only motive for... Read More