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The ELMENDORF Team has been helping clients finance the purchase of a new home and refinance for over 25 Years.  Rick is recognized by his clients and peers as one of the top home loan experts in the country. The team's mission is to provide sound advice, huge savings and unparalleled support for their clients when financing a home purchase or refinancing. In 2019, Rick received an "A Grade" by the Military community for his Project My Home initiative along with many other services that aide anyone using their VA benefits for a home loan. 

The ELMENDORF Team Client Benefits

1. Our EMA Purchase Worksheet and EMA Refinance Worksheet written by Rick Elmendorf showcases your customized financing plan on a beautiful and detailed spreadsheet.
2. The Project My Home Seller relocation initiative saves you thousands when selling your home. Even before you go live on the MLS, the home is entered into our seller portfolio and matched with our large list of pre-approved buyers. Buyers are offered a considerable rebate to purchase your home which not only makes the deal more desirable, it can save you from paying their closing costs! 
3. Our Client-Sellers are given a considerable credit on the purchase of their next home as well. Learn more HERE.
4. Our experience and great reputation as a national lender will give you a better chance of winning a purchase offer.*
5. We manage your loan for life.
*It is fact that a reputable, local lender handling the buyer financing gives Sellers more comfort than when financing is handled by a bank, credit union or unrecognized broker.

Apply Online

Whether it's your first home or your third, Caliber is here to guide you through the mortgage loan process. Our new, easy-to-use platform keeps your data safe and secure while you fill out your application.

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Project My Home (233x175)

Project My Home

Project My Home is a Seller relocation program that saves sellers (and buyers) thousands on select listings. Register YOUR home in Project My Home!

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HomeScout smart+safe+simple

HomeScout is a collaborative search experience that brings together an immersive online portal and team of experts giving you the advantage over other buyers in a competitive market.

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35207_AMP_MobileEmailSig_2020_MFLOur end-to-end, personal service and VA loan expertise are why our customers keep coming back.  There are so many nuances and benefits to the VA loan, but many don't take advantage of them. From the "no money down no matter what" trick, to the funding fee reduction strategy for second time use, we want our military borrowers to get it right. We believe that the mortgage should fit well within the short and long-term financial objectives of the client. An optimal mortgage plan should always be worked towards; however sometimes this involves planning.  Either way, we'll get you there! ~Rick Elmendorf 
Home Scout - The New Kid in Home Search!
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Purchase Worksheet

EMA Purchase Worksheet

Gain control of the numbers. This easy-to-use spreadsheet lets you see things such as payments, cash to close, different rate/point options and even how much to ask the seller for in concessions.

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Refinance Worksheet

EMA Refinance Worksheet

With every refinance it's a simple matter of realizing savings over the short and long term. How much will refinancing truly cost me? What are my monthly savings? Is my break-even point acceptable?  

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Meet Rick Elmendorf

Author, speaker, economics enthusiast,  pickleball fanatic, military upbringing, Christian: There’s more to Rick than just doing mortgages.

For more than 25 years, Rick has built his business understanding customer goals to help them make sound financial decisions.
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Explore Our Team’s Latest Expert Advice

VA Loan

How to get 100% VA financing with your eligibility tied up!


How lenders have changed the way their customers refinance

General Advice

Helpful CFBC Video about forbearance!

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"We had a fantastic experience with Rick and could not be more impressed or satisfied with the Elmendorf team. Our monthly payments came out to be $100 less than what their estimates were—which we were VERY happy about! They were upfront about the whole loan process and were readily available to answer all our questions."

Jim A., Virginia

“We were able to get a great rate reduction with very little effort, saving us tons of money long-term. We went through the refinancing process in less than a week and now are enjoying a lower monthly payment with a lower interest rate. This was great for us as we plan on staying here long-term. I highly recommend the Elmendorf team for your home purchasing/refinancing needs.”

Keith L., Virginia

“As a first time homebuyer, my wife and I were completely new and slightly uneducated about all of the steps that are involved with the process. The Elmendorf Team was patient with us and educated us all along the way! I loved that they weren’t afraid of my questions, but answered them and helped us learn along the way. Their customer service was impressive! The loan was secured and processed according to the deadlines that were set, and closing was a breeze. I would HIGHLY recommend them to anyone who appreciates honesty, excellent communication, and professionalism.”

Sam S., Florida

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