Ricardo  Torres, Residential Mortgage Loan Officer  (Willow Bend Mortgage, LLC )
255493 NMLS

4217 N. McColl Rd


McAllen , TX 78504

Mortgage originator with over 20 years experience in Lending. Fnma, FHA VA and USDA, I am here to service your needs by exceeding customer expectations from start to finish.

Get to know Ricardo Torres

Over 20 years of mortgage sales experience. Ricardo started his career as a loan officer with Household International July 1997. Within 6 months Promoted to Senior Account Executive. Shortly after promoted to Assistant Sales Manager, until he took the reins of the Laredo Texas Office as Branch Sales Manager. During the 6 year tenure at Household , Ricardo was awarded Founders council honors, two national top 50 sales travel awards, and Circle of Excellence both as a Sales associate and a Branch Manager. Ricardo took on the role as a Team lead for Countrywide Full Spectrum Lending in San Antonio.

He then took the leap from retail to wholesale with an opportunity to work in the Rio Grande Valley as an Account Executive for Washington Mutual Long Beach Mortgage, and opened the territory for the renowned mortgage lender that specialized in Subprime mortgage lending. In 2005 he transitioned to an opportunity to further expand his relationships as the Valley Account Executive for Homecomings Financial with the capacity to provide better service to Brokers and Loan officers.

Branch Manager at Ameripro Funding from Jan 2010 to August 2012.

Aug 2012 Joined the Team at Gold Financial Services. Left Gold Financial Services August 2015 

Winner of Presidents Club award 2015.  Two time top producer for marketcenter. 




 Aug 2017 Joined 

Willow Bend Mortgage, LLC 

 in McAllen Texas. NMLS# 351853


. | Equal Housing Lender. Loan product availability is subject to many factors including loan amount and qualifications of borrower. Not every applicant qualifies or is eligible for every loan program. Some loan products may not be available in all states in which the company holds licenses. Loan approval, note rate and annual percentage rate (“APR”) are dependent on factors including, but not limited to: loan program selected, credit, collateral, income, assets and overall financial history. Not all applicants will be approved for aloan. All loan programs, terms and interest rates are subject to change without notice.

Ricardo Torres's Blog Posts


NMLS 255439, Certified Advanced HIGH Spanish FInancial Termonology, Certified Military Le

BBA Marketing


My current awards are...   


Certified New Home buyer.  FHA<USDA<VA<FNMAE<FREDDIE and Specialty lending programs   

Service Areas (5)
  • Edinburg, TX
  • Hidalgo County, TX
  • Cameron County, TX
  • Starr County, TX
  • Bexar County, TX
  • Austin, TX
Specialties (1)
  • Residential
Languages (2)
  • English
  • Spanish