Ricky was born in North California, grew up in Oregon, and now resides in Charlotte, NC. He has 10 years' experience in mortgage origination and sales with a big bank and evolved into retail sales, new home builder sales and most recently a broker. He graduated from Southern Illinois University via their satellite campus in Charleston, SC with a degree in Workforce Education and Devlopment. In his leisure time, Ricky loves to cook for his family and friends, golf, watch college football (GO DUCKS!) and be somewhere warm on a beach.