Rick Cote
Mortgage Loan Officer
NMLS# 679829

Rick Cote

Mortgage Loan Officer
NMLS# 679829
Call: 702.321.6652
Fax: 702.254.3955

Primary Location

439 E Central Texas Expy
Harker Heights, TX 76548

Home Loan Calculators

Our handy calculators let you estimate your monthly payments, find out how much house you could afford, and more.

Mortgage CalculatorsHome Equity Calculator

Discover what kind of loan you could qualify for.

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About Me

Everyone has a dream home in mind. Whether it's an historic center hall colonial or a contemporary bi-level, I will try to help make your home ownership dreams a reality. U.S. Bank has been in the mortgage business for decades, so I have the resources to answer questions like: How much should I put down? What is the best term for my budget?

Your family deserves the best, and going through the home financing process is no exception. As a mortgage professional, I know how stressful this process can be, which is why I will do everything I can to assist you. Contact me at 702.321.6652 to learn more about how I can guide you and your family through the home buying process.

Discover what kind of
loan you could qualify for.

Our online system makes it fast and easy.

Get Started

Education

HARP Program

HARP Program

Are you a homeowner in need? If so, U.S. Bank in Harker Heights may have an option to help make your mortgage more affordable if it is a mortgage with Fannie Mae or Freddie Mac—Home Affordable Refinance Program (HARP). If you’re not behind on your mortgage payments, but if you have been unable to get traditional refinancing because the value of your home has declined, then you may be eligible for refinancing through this program. Call (702) 321-6652 for more information.

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Buying a Home

Buying a Home

Whether you’re finally ready to have a place of your own, or if you’re a veteran homeowner, U.S. Bank in Harker Heights has mortgage options that fit your needs. Our mortgage professionals can show you how to finance your home so that it will be a sound investment that is within your budget. Call (702) 321-6652 to make an appointment with one of our mortgage professionals.

Buying a Home

Refinancing a Home

Refinancing a Home

Whether you want to lower your current mortgage payment, change the term of your loan, or unlock the equity in your home to get cash out, refinancing may be the solution. And if you’re considering big life changes, refinancing may help you with your budget. Contact your Harker Heights U.S. Bank location at (702) 321-6652 to find out if refinancing is right for you.

Refinance Your Home

First-Time Homebuyer

First-Time Homebuyer

You can learn a lot about how interest rates, down payments, and your income may affect your mortgage loan. However, until you actually buy a home, the process can be hard to understand. At U.S. Bank in Harker Heights, we can guide you through it all—from pre-qualification to approval to closing. Call (702) 321-6652 to schedule an appointment with a mortgage professional.

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VA Home Mortgages

VA Home Mortgages

The benefits of the VA Home Loan Guarantee Program are extensive—mortgages with up to 100% financing, lower monthly payments, and the security of a fixed-rate. To learn more about VA Mortgages and eligibility requirements, contact a U.S. Bank mortgage professional at (702) 321-6652 today.

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