Rick Litton
Senior Loan Officer, Guild Mortgage
NMLS #552576
Helping you laugh, learn, and land your forever home.
Meet Rick
Buying a home should feel exciting, not stressful.
Rick Litton is a Team Manager and Senior Mortgage Loan Originator with more than 25 years in mortgage banking. He is proud to be part of the Litton Loan Group at Guild Mortgage, where he and his team find the right loan program for each client, from first-time homebuyer programs to FHA, VA, jumbo, and conventional loans.
Rick received the Chicago Five Star Mortgage Professional Award three years in a row. When he isn't working on lowering his clients' interest rates, you can probably find him on a local golf course working on lowering his handicap.
"Integrity is an essential part of my business. Mortgages are about building relationships and helping my clients achieve their home financing goals."
Is this you?
Rick works with buyers who want clear answers and a smooth path to the closing table.
Busy professionals
You value your time and want clear answers, not a chase for teaser rates.
First-time buyers
You want a simple, step-by-step path and someone who explains every part of it.
Move-up buyers
You're ready for your next home and want a confident, well-coordinated close.
How Rick delivers
Home loans that fit your life
Every buyer's situation is different. Rick compares programs side by side so you can choose the loan that fits your budget and your goals.
- Pre-approval so you can shop and make offers with confidence
- Programs for first-time buyers, veterans, and higher price points
- Proactive updates from application to closing
Know your number before you shop
See how principal, interest, taxes, and insurance add up to a monthly payment, then talk it through with Rick.
Calculators are provided by Guild Mortgage for illustration only. Results are estimates and are not a loan offer or a commitment to lend.
Win the offer with the right down payment
Rick's signature talk on choosing the right down payment strategy in a seller's market.
In a competitive market, buyers often assume they need to put down as much as possible to win. Rick shows audiences how to match the right down payment option to the buyer, the budget, and the market, so offers stay strong without draining savings.
Three takeaways for your audience
Choose the right amount, not the most
How the size of a down payment affects the monthly payment, cash reserves, and how strong an offer looks, and how to find the balance.
Make a smaller down payment look strong
Which low down payment options are worth knowing, and how a solid pre-approval and clean terms help sellers take the offer seriously.
Keep cash ready to compete
Why holding back reserves for closing costs, inspections, or an appraisal gap can matter as much as the down payment itself.
What clients and partners say
"As a real estate broker, I've worked with many lenders, and Rick is easily one of the best. He keeps clients calm and informed while making the mortgage process enjoyable. His communication is clear, his timing is spot-on (both with deadlines and jokes), and deals always stay on track. Reliable, efficient, and genuinely great to work with. Rick is a lender I trust and recommend without hesitation."
Lisa S.Real estate broker"Great communication with updates throughout the transaction. We closed on time and it was seamless. Thanks Rick!"
JamiePingree Grove, IL"Amazing. Don't look any further. Just call Rick."
Kuba D.Google review"Rick and Renee were the absolute best to work with."
EmmaJoliet, IL"Rick was extremely helpful and patient with all our questions."
RobbieWheaton, IL"Rick is the absolute best!"
Emma R.Google review"Clarity and confidence throughout the whole transaction."
Dave L.Google reviewYour path to the closing table
Quick fit call
A 15-minute conversation about your goals and timeline.
Apply online
A secure application where you can upload your documents.
Your game plan
Rick reviews your file and maps out next steps so you can shop with confidence.
Offer and close
Rick quarterbacks the process all the way to the finish line.
Golf, greatness, and good conversation
Rick's upcoming book, Who's on the Tee?, invites readers into a playful, thought-provoking look at the ideal golf foursome, mixing faith, leadership, and humor. It's a light read with meaningful reflections.
Want launch updates, or interested in collaborating or being featured? Reach out and you'll be the first to know when it's live.
Hearts for Hope
Community compassion in action
Rick and his wife founded Hearts for Hope, a 501(c)(3) nonprofit that has delivered more than 10,000 care packs to people experiencing homelessness. Rick serves as Vice President, uniting the community to deliver care packages with compassion and encouragement to those in need.
Yes, you. Let's talk about your next home.
Whether you're buying your first home or your next one, Rick will help you understand your options and map out a clear plan.