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Ricky Sowers is a seasoned Residential Mortgage Loan Officer with over 8 years of experience in the mortgage industry. Holding a bachelor’s degree in finance from the University of South Florida, Ricky combines a strong academic foundation with practical expertise to guide clients through the complexities of home financing. Throughout his career, Ricky has developed a reputation for personalized service and a deep understanding of various loan products, including FHA, VA, USDA, and conventional loans. He specializes in assisting first-time homebuyers, move up buyers, investors, veterans, and those seeking to refinance, ensuring each client receives tailored solutions that align with their financial goals. Beyond technical proficiency, Ricky is committed to building lasting relationships with clients. He takes pride in demystifying the mortgage process, providing clear communication, and offering support at every stage—from pre-qualification to closing. Outside of professional endeavors, Ricky is actively involved in serving his local church, reflecting his dedication to community and service. Additionally, he is a passionate Tampa Bay Buccaneers fan, embodying the team’s spirit of resilience and determination in both his personal and professional life. Whether you’re purchasing or exploring refinancing options, Ricky is dedicated to helping you achieve your homeownership dreams with confidence and clarity
Rating: 5.0 out of 5.0 from facebook Great attitude! Positive outlook! Professional and Honest! Highly recommend! Debby Bacon Mar 28
Great attitude! Positive outlook! Professional and Honest! Highly recommend!
Rating: 5.0 out of 5.0 from facebook I've sent several people to Ricky, he's on top of things and the clients really like him. Would definitely recommend him again in the future. Chas Brown Mar 28
I've sent several people to Ricky, he's on top of things and the clients really like him. Would definitely recommend him again in the future.
Rating: 5.0 out of 5.0 from facebook He was absolutely amazing! Made the process so easy for me & explained everything in a way I could understand! would 100 percent recommend! Crystal Marte Mar 28
He was absolutely amazing! Made the process so easy for me & explained everything in a way I could understand! would 100 percent recommend!
Rating: 5.0 out of 5.0 from facebook Ricky is a true professional who puts his client’s first. He was there for my family every step of the way, even when he was sick. I feel very lucky having worked with Ricky and I highly recommend him as a lender. If you want someone who will work hard, and create peace of mind along the way then look no further. Thank you Ricky for all your assi... Megan Schwandt Mar 28
Ricky is a true professional who puts his client’s first. He was there for my family every step of the way, even when he was sick. I feel very lucky having worked with Ricky and I highly recommend him as a lender. If you want someone who will work hard, and create peace of mind along the way then look no further. Thank you Ricky for all your assi...
Rating: 5.0 out of 5.0 from facebook I have worked with Ricky Sowers on several transactions and he has been absolutely fantastic to work with! Not only is he professional, but knowledgeable, friendly, and always available to help. Ricky makes the lending process as easy and stress free as possible. I highly recommend him to anyone looking to buy or refinance their home! Nicole Leicht Mar 28
I have worked with Ricky Sowers on several transactions and he has been absolutely fantastic to work with! Not only is he professional, but knowledgeable, friendly, and always available to help. Ricky makes the lending process as easy and stress free as possible. I highly recommend him to anyone looking to buy or refinance their home!
Rating: 5.0 out of 5.0 from facebook Ricky and the team at Land Home Financial Services are awesome! As a Realtor, I can rest assured that any of my buyers who use this team will be treated professionally and that they will get the job done! Great communication & always a pleasure to work with! Lisa Henderson-Harris Mar 28
Ricky and the team at Land Home Financial Services are awesome! As a Realtor, I can rest assured that any of my buyers who use this team will be treated professionally and that they will get the job done! Great communication & always a pleasure to work with!
Rating: 5.0 out of 5.0 from facebook When it comes to getting someone approved and making their dream of purchasing a home come true, Ricky Sowers is the one I will always recommend. 5 stars all day. Jorge Menendez Mar 28
When it comes to getting someone approved and making their dream of purchasing a home come true, Ricky Sowers is the one I will always recommend. 5 stars all day.
Rating: 5.0 out of 5.0 from RequestAReview Ricky is an excellent communicator and does an amazing job keeping everyone on the same page. JordanClermont, Florida Jan 21
Ricky is an excellent communicator and does an amazing job keeping everyone on the same page.
Rating: 5.0 out of 5.0 from google ⭐️⭐️⭐️⭐️⭐️ Working with Ricky Sowers at Annie Mac was truly a great experience. From the very beginning, he made the lending process clear, smooth, and stress-free. Ricky was always available to answer questions, explain details in a way that made sense, and made us feel confident every step of the way. What stood out most was ... RatedByRita Nov 25
⭐️⭐️⭐️⭐️⭐️ Working with Ricky Sowers at Annie Mac was truly a great experience. From the very beginning, he made the lending process clear, smooth, and stress-free. Ricky was always available to answer questions, explain details in a way that made sense, and made us feel confident every step of the way. What stood out most was ...
Rating: 5.0 out of 5.0 from Encompass Ricky was prompt, professional, informative and friendly throughout the entire process. He actually delivered ahead of schedule and made the entire process seamless and stress-free. Highly recommend him to anyone looking for a loan officer! 10 out of 10! DerekLand O Lakes, FL Nov 18
Ricky was prompt, professional, informative and friendly throughout the entire process. He actually delivered ahead of schedule and made the entire process seamless and stress-free. Highly recommend him to anyone looking for a loan officer! 10 out of 10!
Rating: 5.0 out of 5.0 from Encompass Ricky went above and beyond to get this deal to the closing table. He was always available to answer any questions and made sure the borrower understood the process. MikeClearwater, FL Oct 29
Ricky went above and beyond to get this deal to the closing table. He was always available to answer any questions and made sure the borrower understood the process.
Rating: 5.0 out of 5.0 from RequestAReview Working with Ricky was an excellent experience. We had a mutual client and were able to close on time without any issues. He always maintained great communication throughout the process. Highly recommend! BarbaraRiverview, Florida Sep 11
Working with Ricky was an excellent experience. We had a mutual client and were able to close on time without any issues. He always maintained great communication throughout the process. Highly recommend!
Rating: 5.0 out of 5.0 from Encompass Communication was great and always answered all our questions. Very helpful IrisClermont, FL Sep 05
Communication was great and always answered all our questions. Very helpful
Rating: 5.0 out of 5.0 from Encompass Ricky is amazing -- he helped me so quickly and he was VERY communicative, knowledgable and helped provide a great deal of guidance. Ricky was also able to help me get a great rate and made this experience smooth! Thank you, Ricky! Matthew DouglasRiverview, FL Aug 19
Ricky is amazing -- he helped me so quickly and he was VERY communicative, knowledgable and helped provide a great deal of guidance. Ricky was also able to help me get a great rate and made this experience smooth! Thank you, Ricky!
Rating: 5.0 out of 5.0 from facebook Ricky is a great loan officer, I have worked with him professionally. He goes above and beyond for his clients, answering their questions no matter how many, answering calls and is transparent with clients. Highly recommend! Melissa Johnson Aug 19
Ricky is a great loan officer, I have worked with him professionally. He goes above and beyond for his clients, answering their questions no matter how many, answering calls and is transparent with clients. Highly recommend!
Rating: 5.0 out of 5.0 from Encompass Ricky was incredibly helpful and thorough with every step of the process. He was readily available, answered every question and concern we had, and went above and beyond to get us our loan ahead of schedule. He was extremely professional and kind, a true joy to work with. Would recommend to anyone and ev... Samara MilBrooksville, FL Aug 19
Ricky was incredibly helpful and thorough with every step of the process. He was readily available, answered every question and concern we had, and went above and beyond to get us our loan ahead of schedule. He was extremely professional and kind, a true joy to work with. Would recommend to anyone and ev...
Rating: 5.0 out of 5.0 from Encompass Ricky never disappoints! We feel so confident referring him to our clients. We know he will go above and beyond. Communication is most important in any transaction and Ricky nails that every time! CarolynRiverview, FL Aug 19
Ricky never disappoints! We feel so confident referring him to our clients. We know he will go above and beyond. Communication is most important in any transaction and Ricky nails that every time!
Rating: 5.0 out of 5.0 from Encompass Ricky and the team made the entire process seamless. From start to finish there was open communication and a commitment to excellence. Truly unmatched work ethic, I will be recommending to everyone I know looking for a loan Derek JamesBrooksville, FL Aug 18
Ricky and the team made the entire process seamless. From start to finish there was open communication and a commitment to excellence. Truly unmatched work ethic, I will be recommending to everyone I know looking for a loan
Rating: 4.7 out of 5.0 from Encompass Ricky and worked together for many years. He's always professional on time has great follow through and follow up. I will continue to use him to support my clients with their financial needs. BunniPinellas Park, FL Jul 21
Ricky and worked together for many years. He's always professional on time has great follow through and follow up. I will continue to use him to support my clients with their financial needs.