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About Ricardo



Get to know Ricardo Torres

Ricardo is a Devoted Husband, Father of 3 and Grandfather of 1. He is an active member of St. Josephs Church, Tech Junkie and all around nice guy.  He Loves to watch a good movie and enjoys helping clients achieve their homeownership and financing goals. Certified USA CARES MILITARY SPECIALIST.

Over 19 years of mortgage sales experience. Ricardo started his career as a loan officer July 1997.  Ricardo was awarded Founders council honors, two national top 50 sales travel awards, and Circle of Excellence both as a Sales associate and a Branch Manager.

Aug 2012 Joined the Team at Gold Financial Services.  Winner of Presidents Club award 2015.  Two time back to back 2015 and 2016 top producer for market center. 

Former member of the Edinburg Rotary Club Accomplishments include:  Double Paul Harris Recipient, Past President, Past Assistant District Governor and Past Lt. Governor for District 5930.

Graduate of University of Texas Pan American with a Bachelor in Marketing.

"My goal is to exceed expectations by under promising and over delivering" RMT

Offers VA, FHA, USDA, Conventional and Construction lending options.











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Contact Information
Ricardo Manuel Torres
SR.Loan Officer
Office: (956) 687-8500
Cell: (956) 739-5440
Fax: (888) 640-0201
Toll Free: (877) 296-0918
Email: Send Email
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Ricardo Manuel Torres, SR.Loan Officer NMLS #255493
Gold Financial Services
4757 S Jackson Rd Edinburg TX 78539, 418 E Tyler Rd, TX  78550
Office:  (956) 687-8500
Cell:  (956) 739-5440
Fax:  (888) 640-0201
Toll Free:  (877) 296-0918
Copyright © 2017 Gold Financial Services | Harlingen Branch NMLS # 1051556 | Edinburg Branch NMLS# 1014698 | Ricardo Torres Loan Origninator | NMLS# 255493 | Gold Financial Services is a division of AmCap Mortgage, Ltd. NMLS # 129122. | Equal Housing Lender.
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