I'm Rick Berardino — a local mortgage advisor helping Waltham families and investors lock in competitive rates with a personal touch that big-box lenders can't match.
Whether you're a first-time buyer, looking to refinance, or planning an investment — I'll find the right loan program for your goals and budget.
From first-time buyer programs to jumbo loans, I'll guide you through every step — from pre-approval to closing day and beyond.
Lower your rate, cash out equity, or switch to a shorter term. I'll run the numbers and be honest about whether refinancing makes sense for you.
Lower down payments, competitive rates, and flexible qualifying — I specialize in government-backed loans for veterans and first-time buyers.
Higher-priced homes need specialized lending. I work with conforming and jumbo products to fit your property and financial profile.
Multi-family, rental, or flip — I understand the numbers that make an investment work and structure loans accordingly.
Not sure if now is the right time? I'll give you a straight answer — no pressure, no gimmicks — just clear guidance on your options.
I've spent over a decade helping families in Waltham and throughout Middlesex County navigate the mortgage process. While big lenders treat you like a number, I make it my business to know yours.
Based right here on Waverley Oaks Road, I understand the local market — the neighborhoods, the school districts, the price points. That local knowledge matters when we're finding the right loan for your specific situation.
At Guaranteed Rate, I have access to a wide range of loan products and competitive pricing, but what really sets the experience apart is the communication. You'll talk to me — directly — from pre-approval through closing and beyond.
I've streamlined the process so you know exactly what to expect at every stage.
Reach out by phone, email, or the form below. We'll schedule a time to discuss your goals and answer your questions.
I'll pull your credit, review your finances, and get you a clear pre-approval so you know exactly what you can afford.
Once you find a home, I'll lock your rate and guide you through underwriting — keeping you updated at every turn.
We'll review everything before you sign. My job is to make sure you walk into closing confident, not confused.
I'm based in Waltham and serve communities throughout Middlesex and Metro West Massachusetts. No matter where your dream home is, I'll make the mortgage process feel local.
Whether you're just starting to explore options or ready to move forward, I'm here to help. Reach out and I'll get back to you within one business day.
I'll respond within one business day.
Thanks for reaching out. I'll get back to you within one business day.
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