Ricardo H. Brasil

Senior Loan Officer
51 Melcher Street, Offices 121,219, 239, & 245, Boston, MA 02210
Contact Ricardo
NMLS: 481125
Ready to start your Digital Mortgage?
Apply now

TestimonialsCustomer testimonials Read more

Ricardo and his team delivered excellent customer service, made my first experience of obtaining a loan very easy and stress free. I feel comfortable recommending them to others.

Peter S. | July 2018

My financial situation is very complicated and Ricardo Brasil masterfully navigated a difficult terrain to help me get approved. Obviously his many years of experience worked to my benefit and I was very happy and satisfied to get a low rate and cash out at closing to help me accomplish my goals. Thank you Ricardo and thank you Guaranteed Rate.

Barry S. | April 2018

Ricardo was fantastic! I couldn't recommended him enough. He was so responsive, very amicable, and lovely to work with.

Rebecca P.

I positively LOVED working with the Brasil brothers and their team. They were kind, patient, and so knowledgeable in guiding me through my first home-buying experience. Thank you!

Monica B.

Great experience working with the team. Ricardo Brasil is a joy and his team was really helpful too.

Nosheen J. | April 2018

The entire loan team was extremely pleasant, easy to ask questions to, and super helpful!

Jamie M.

Ricardo Brasil and his team are some of the best mortgage brokers around! We want to keep buying houses just so we can keep working with these guys! They make the process very simple and clear. You also get the sharpest rate in the market. I would recommend Ricardo and his team over anyone anytime!

Mark A.

Ricardo was excellent to work with! He was on top of everything and very easy to work with!

Thomas B.

Thank you Roger and Ricardo, You and your team made this process go really well-I really appreciated the individual attention and answering questions. You can count on my referral and thanks again.

Rob C.

Team Brasil was fantastic--prompt, knowledgeable, efficient, fast, all while remaining sensitive to the human on the other side of the process. I have already recommended Guaranteed Rate/Team Brasil to listing agents and attorneys used in another transaction. The reason is, obviously, our experience.

David E.

Thanks Ricardo. Well you've certainly made this as painless as possible. Thanks for managing this so quickly. I will happily recommend you to others who may be looking for mortgage services.

Deborah W.

The closing went great...very smooth transaction. Thank you so much for all your help!

Mike F.

Mr.Brasil and his team took excellent care from befggining to end.

James P.

About as easy/painless a process that you could expect. All GR associates were very friendly and accommodating.

Paul H.

I've worked with Ricardo Brasil's team before. What I've grown to appreciate is the ability to rely on Ricardo's team to deliver on what is promised. I.e. once you settle on loan rate, closing costs, etc, which happens very early on, the rest of the process is worry free and hands off. I was also kept informed about every step of the refinance process, which is greatly appreciated, since you know where things are with the loan on any given day. And of course I felt like I was given a good and...

Igor B.

Everything went very smoothly. I appreciate all the help and everyone I came into contact with at Guaranteed Rate was professional, pleasant and efficient.

Charles P.

Thanks so much for all your help and your great rate.I also gave a yelp review with 5 stars. Thanks again for all your hard work!

Allison B.

I have been particularly impressed with and grateful for your assistance AFTER closing, since this is the part of your job where you stand to gain the least and you have been just as responsive nevertheless. The service SINCE the loan went through is really what will lead me to recommend Guaranteed Rate, and you personally to my friends and colleagues.

Adam K.

"We had a fantastic experience, I really cannot say it enough. Ricardo was very knowledgeable, attentive and helpful through the the entire process from start to finish and thereafter. It all happened in a blink of an eye, we barely had to do anything, which made it so easy!"

Matthew T.

My experience was outstanding. Thank you.

Joseph S.

Ricardo and his team made everything as easy as possible. I know closing mortgages is not so simple these days. I am grateful.

Janet W.

I am extremely satisfied with my experience. I do not think I could have asked for a better group of people with so much expertise, who was able to guide me through my first purchasing process. All I had to do with Guaranteed Rate was to sit back and just do my part and everything got done in time. I am astonished by the quality of service I received and the optimal outcome!

Amy T.

Wow! I did not expect for my refinance to go as smoothly as it did! I have refinanced with a few other companies in the past and had some not-so-positive experiences. I was thrilled to know that not only was the rate the best I could find anywhere, the entire process was painless, smooth and quick. I worked with RB and his Team and honestly, everything was as promised and perfectly accurate. They came to my house for closing and I couldn't be more pleased. Although I can't imagine the rates...

Review from YELP

Ricardo, Cam, and Claudia were great to work with. This was our first Mortgage and they helped us through the process.I have already recommended Guaranteed Rate to two of my co-workers and will continue to recommend you.

Andrew W.

Sam and I wanted to send our sincerest thank you for helping us get our mortgage cleared and approved in such a short period of time. We didn't realize that our loan would be so tricky as we didn't anticipate having only one income for the application, yet you did everything to make it happen. Our lawyer and real estate agent were very impressed that everything was processed on time and without a hitch. It has been a stressful month for us and we greatly appreciated your patience and...

Sam and Victoria P.

I want to thank everyone now that we are closing. It was a long road but the outcome was never in doubt. Thanks again for helping my daughter Stacey.

Daniel L.

The closing went very well. Thank you for all the support during this process. I'm very satisfied with your service.

Santo P.

Thanks again for all your help with the mortgage-in the end it was smooth and I am very happy with the rate. I gave your name to one of my colleagues, Amy D. and her husband, they are interested in refinancing!

Michelle T.

Excellent. Thanks to all of you for all of your help (and patience with me) throughout this process. Katie and I are extremely excited about our new place and cant wait to get settled. Thanks again.

Robert H.

I wanted to thank your team on a great job putting this loan together. Everything went smooth and it couldn't be done without your help. Once again Thank You so much for your hard work

John C.

We just wanted to thank you for all you help and hard work in making our refinancing process a "breeze"! It was a pleasure working with all of you! Warm regards,

Konstantinos and Kristen G.

I can say that working with your team was more than business --- they were always helpful and very sincere. It was a win win situation for us. I thank your team and you for everything.

Dave and Sara S.

Ricardo demonstrated an ability to absorb and grasp financial concepts quickly. This was during a period that the mortgage industry was growing and creating innovative loan products. He was able to introduce these products in an effective manner. I also enjoyed his quick wit and youthful exuberance. He is definitely one of the good actors in the mortgage business: honest, client oriented and respectful to his position in the financial market place.

Eric E.

I had the pleasure of working with Ricardo Brasil on several jumbo transactions during our time at Wells Fargo. Ricardo is a consummate professional who makes work both enjoyable and profitable. His extensive knowledge of mortgage banking combined with an irresistible personality are what make him number one at what he does.

Lesley C.

It's been a pleasure working with you for my refinance. Thanks so much for your hard work. I've posted my 5-star review in Yelp and will keep bringing my friends to you.

Nancy L.

Ricardo is an extremely organized private banking professional who conducts business with integrity and professionalism. Ricardo was one of the top performers nationally in the Private Mortgage Banking Group at Wells Fargo which speaks for itself. Ricardo has the knowledge and support system to analyze and structure the most complex high end residential financing transactions nationally in a manner that meets the clients financial goals.

Marc G.

Ricardo has the expertise and creative aptitude in the mortgage industry to assist any Real Estate investor including myself to bring to life their return on investment. Ricardo has provided me with multiple mortgages with my various Real Estate properties and endeavors. I recommend Ricardo to anyone who is interested in mortgage services and consultative services.

Saji J.

Ricardo Brasil is one of the best mortgage bankers I've ever worked with. He helped my clients and me to get the best mortgages available with no hassle and always was on top of things, followed up, kept us in the loop and provided professional service. I recommend Ricardo to all of my clients!

Elad B.

I've sent Ricardo many referrals and will continue to do so. He always presents himself with the utmost professionalism and all whom i have referred to him have reported a level of service that can't be matched anywhere. I highly recommend working with Ricardo.

Jeremy M.

I was referred to Ricardo from a friend of mine -he was able to get me a great rate on my mortgage. He's very good at what he does and I know I can rely on him next time.

Lena K.

Ricardo and I have done many deals together over the past three years. In each one, Ricardo has impressed me with his professionalism, integrity, and experience. He consistently gets great results for his clients (including those I have referred to him) and exemplifies an expert's touch while doing so. I highly recommend Ricardo for any mortgage banking deal.

Chuck R.

I have worked together with Ricardo Brasil and his team of talented lending officers for over 5 years and continue to be impressed with the out-of-the-box solutions that he offers to my clients. He has demonstrated a tenacity to "get the deal done" time and time again. He is a real "asset" to the home lending community!

Martin K.

Ricardo is the man when it comes to mortgages! If you want a great rate, fantastic service, and a quick seamless mortgage process, then you go to him and his team. If not, good luck!

David C. Jr.

Ricardo is an expert in his field. He has profound knowledge of the mortgage business. His superlative work from beginning to final output has ranked him in the top 1 percent of mortgage bankers nationwide. Not only does his top ranking speak volumes but he is also trustworthy, consistent and reliable. In my business anyone I recommend to clients is a reflection on me, I always feel confident that my clients will be well taken care of and walk away at the closing table feeling good that they...

William M.

About Ricardo

Ricardo Brasil is a nationally ranked (top 1%) Mortgage Originator (Scotsman Guide & Mortgage Executive Magazine 2010-2016; #26 in 2013). He joined Guaranteed Rate, Inc. in 2011 and has been in the mortgage business since 2001. Over the last 16 years, Ricardo has operated in every sphere of mortgage lending: Wholesale, Brokerage/Correspondent, and Retail Lending. While working at the nation's two largest mortgage lenders (Wells Fargo and Bank of America), he was consistently recognized as a top mortgage loan originator, while maintaining high customer service metrics. In 2010, Ricardo ranked as the #1 purchase mortgage originator at Bank of America in New England and was ranked in the top 15 nationally (total production) for the bank. He was ranked in the top 20 nationally at Wells Fargo Private Mortgage Banking from 2005-2009. Ricardo and his team have assisted over 2500 homeowners with financing and have procured over $1.5 billion worth of home loans.

Given his experience and track record, Ricardo is often sought out for his expertise in mortgage banking. Some of the most prominent real estate developers, financial advisors, realtors, and attorneys in Boston and the Greater Boston area, as well as other parts of the country, turn to him for almost any type of residential financing scenario. Ricardo and his team, with their delegated operations team for loan processing and underwriting, make it a point to run their business in a client-centric manner, so that each borrower feels as if they are working with a nimble mortgage group. With all of the recent changes that the mortgage industry has experienced, one can count on Ricardo and his team for timely, yet time-tested, lending practices that will ensure a pleasurable financing experience.

Ricardo obtained his undergraduate degree from Brandeis University and double majored in Psychology and Economics. He currently resides in Boston, MA, and Miami Beach, FL.

Team Members: - Roger Brasil | Senior Loan Officer - Rebecca Gordon | Elite Mortgage Consultant - Claudia Hernandez | Loan Coordinator - Kisha Taylor | Mortgage Associate - Danielle Houde | Mortgage Associate


Error: Notice: No Q&A data for this VP.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.