NMLS #484203 · Waltham, MA

Your Waltham mortgage
deserves better than
a generic rate sheet

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.

15+
Years Experience
500+
Families Served
A+
BBB Rating
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What I Offer

Mortgage solutions tailored to your situation

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.

Purchase Loans

From first-time buyer programs to jumbo loans, I'll guide you through every step — from pre-approval to closing day and beyond.

Refinancing

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.

FHA & VA Loans

Lower down payments, competitive rates, and flexible qualifying — I specialize in government-backed loans for veterans and first-time buyers.

Jumbo Loans

Higher-priced homes need specialized lending. I work with conforming and jumbo products to fit your property and financial profile.

Investment Properties

Multi-family, rental, or flip — I understand the numbers that make an investment work and structure loans accordingly.

Rate & Term Consultation

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.

Rick Berardino, mortgage advisor in Waltham MA
About Rick

A neighbor, not a call center

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.

Local
Waltham-based advisor
Direct
You reach me, not a queue
Transparent
No hidden fees or surprises
Responsive
Quick answers, real updates
How It Works

From inquiry to closing in four steps

I've streamlined the process so you know exactly what to expect at every stage.

01

Connect

Reach out by phone, email, or the form below. We'll schedule a time to discuss your goals and answer your questions.

02

Pre-Approval

I'll pull your credit, review your finances, and get you a clear pre-approval so you know exactly what you can afford.

03

Lock & Underwrite

Once you find a home, I'll lock your rate and guide you through underwriting — keeping you updated at every turn.

04

Closing

We'll review everything before you sign. My job is to make sure you walk into closing confident, not confused.

Service Areas

Proudly serving Greater Waltham

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.

Waltham
Boston
Newton
Cambridge
Brookline
Lexington
Belmont
Concord
Medford
Somerville
Waltham Massachusetts neighborhood
Common Questions

FAQ

Get in Touch

Let's talk about your mortgage goals

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.

Phone
(978) 771-7648
Email
rberardino@rate.com
Office
307 Waverley Oaks Rd, Ste 409
Waltham, MA 02452
NMLS
#484203

Send a message

I'll respond within one business day.

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