Your Home Search Starts With an Advantage
You found Rick McHone on YouTube — now get the same strategic edge on your financing.
- No Lender Fees
- 300+ Loan
- Fast Pre-Approvals
- Built to Help You Win
Takes 2–3 minutes. No commitment required.
- Powered by Evolve Home Loans
- 300+ Loan Products
- Avg. 19-Day Closing Time
- Licensed in AZ, AL, CA, CO, FL, MS, TX, WA,
Start Your Pre-Approval
The Right Loan Strategy Wins Homes
— Not Just Offers
- How competitive your offer is
- How fast you can close
- How confident a seller feels choosing you
That’s why Rick partners with Evolve Home Loans — to give his clients a financing strategy that strengthens their position before they even write an offer.
Most Buyers Lose Before They Even Make an Offer
A pre-approval with Evolve Home Loans is designed to fix that — before you ever step into a showing.
The Financing Advantage Behind Your Offer
This isn’t just about getting approved — it’s about structuring your financing to strengthen your position and help you win.
No Lender Fees
Keep more cash available for what actually matters — your offer, your move, your home.
Premium Pricing
Access wholesale rates across 300+ loan options — not a one-size-fits-all quote.
Stronger Pre-Approvals
Certainty with pre-approvals that signal certainty to sellers.
Speed = Leverage
Close in an average of 19 days, giving you flexibility and negotiating power.
We Match the Right Loan to Your Situation
Whether you’re buying your first home, using VA benefits, or purchasing a luxury home — we structure the right solution around you.
Conventional
- vailable for primary, secondary, and investment properties
- own payments as low as 3%with competitive interest rates
- Private Mortgage Insurance (PMI) can be removed once 20% equity is reached
- Typically offers lower overall costs for borrowers with strong credit
FHA
- Offers flexible credit and income requirements, making it easier to qualify for a mortgage
- Requires a low 3.5% down payment for buyers with a credit score of 580 or higher
- Allows for the use of gift funds for down payment and closing costs
VA
- Ideal for active, non-active, and retired veterans who meet the Armed Services requirement
- Home purchases with as little as 0% down and no monthly mortgage insurance, saving you money
- More flexible qualifying guidelines than typically offered by conventional financing programs
- Streamline and cash-out refinances available that simplify the loan process
Jumbo
- Used for loan amounts exceeding conforming loan limits ($806,500 in Mobile and Baldwin Counties)
- Ideal for purchasing luxury or high-value properties
- Typically requires strong credit and higher income to qualify
- May offer competitive interest rates for well-qualified borrowers
DPA
- Provides financial support for down payment and closing costs
- Offered through state, county, or local housing agencies, as well as through certain lenders
- Can be structured as a grand or a forgivable/low-interest loan
- Designed to make homeownership more accessible
We don’t fit you into a loan — we build one around your goals.
RICK + EVOLVE
Your Advantage When You Work With Rick
When you combine Rick’s market strategy with the right financing approach, you’re not just another buyer — you’re a prepared, positioned, and competitive one.
Move quickly when the right home hits
Compete confidently in multiple-offer situations
Understand your numbers before making decisions
Win the home — not just shop for one
A More Strategic Way to Buy
Rick partners with Evolve because of the experience his clients receive.
Simple. Strategic. Fast.
1. Get
Pre-Approved
Quick application + strategic consultation
2. Build Your
Buying Strategy
Align budget, payment, and offer approach
3. Start Your Home Search
with Rick
Tour homes with clarity and confidence
4. Win & Close
Smoothly
Fast, clean closing — no surprises
Know Your Numbers Before You Fall in Love With a Home
Before you start touring, get clear on your budget and your strategy.
We’ll help you structure a loan that puts you in the strongest possible position — from day one.