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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
Ricky is an excellent communicator and does an amazing job keeping everyone on the same page. Jordan Clermont, Florida January 21 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.
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! Derek Land O Lakes, FL November 18 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!
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. Mike Clearwater, FL October 29 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.
On 04/30/2026 at 2:30 pm
Join us for Our Billion Dollar Playbook, a live mastermind designed to help real estate agents win more deals in today’s competitive market. Hear from Wes Costello of AnnieMac Home Mortgage as he breaks down the Cash2Keys suite of products and how to position your buyers like cash. Learn how Cash2Keys can level up your business.