Your Lender for Life: Rick Ward is a proud US Army Veteran, serving most of his military career overseas. After 8 years with Uncle Sam, Rick spent the next 20 years developing world class sales & customer service, management, and consulting skills. Rick lives by and conducts his mortgage business under a 4-H philosophy that includes being Hungry, Honest, Humble, and Happy. With this foundation, Rick continues to grow his healthy referral based business, keeping him sharp and on his toes to deliver beyond every customer's expectations. Rick always remembers that people really don't care how much you know until they know how much you care!