Rick Loveall is a Mortgage Advisor with 39 years of experience helping clients in California, Texas, and Arizona navigate the home financing process with confidence and clarity. Known as a true fixer, Rick specializes in working with self-employed borrowers, high-net-worth clients, and complex loan scenarios that require creative solutions, fast execution, and strong communication.
Over the course of nearly four decades, Rick has built a reputation for relationship-based service, strategic thinking, and getting difficult deals across the finish line. He is a trusted resource for both clients and realtor partners who value honesty, speed, and experience.
Beyond mortgage, Rick has built a distinctive personal brand that blends top-level industry knowledge with personality and authenticity. A tequila aficionado and the voice behind projects like Mortgages & Margaritas and RefiUpdate.com, he brings a fresh, memorable approach to an industry that often takes itself too seriously.
Rick is also deeply committed to fitness, having completed seven full marathons and serving as a spin instructor. With a signature style that turns heads and a presence that stands out in any room, he brings energy, confidence, and originality to everything he does.
Production Manager
As the Production Manager at Ethos Lending, Mario O’Brien brings over a decade of specialized experience in sales and production to the team. He has built a reputation for excellence, backed by over 1,200 verified 5-star reviews from clients who value his transparency, efficiency, and deep industry knowledge.
Mario excels at navigating the complexities of the lending market, serving as a trusted advisor to first-time homebuyers and seasoned investors alike. Known for his ability to thrive under pressure and adapt to any situation, he ensures a smooth, streamlined process tailored to each client’s unique financial goals. His approach is rooted in proactive problem-solving and clear, honest communication, ensuring that every borrower feels confident from application to closing.
Beyond managing production, Mario is dedicated to building lasting relationships and helping his clients achieve long-term prosperity. Whether you are looking for your first home or your next investment, Mario’s insights and commitment to service make him an invaluable partner in your homeownership journey.