Get to know me
I’m Ricky Butler, better known as The Mortgage Butler—a Mortgage Broker licensed in PA and NJ, proudly based in Bethlehem, PA. As a U.S. Marine veteran, I bring the same discipline, commitment, and service-first mindset to mortgages that I lived by in the Corps. My mission is simple: make the home loan process stress-free, transparent, and tailored to your goals. Whether you’re a first-time buyer, a veteran, or a seasoned homeowner, you can count on me for clear communication, competitive o
My experience
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Brokerage info
What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
Clear communication, step-by-step guidance, competitive options, and a smooth, stress-free loan process from pre-approval to closing.
Many of my loans come with no lender fees, though it can vary. You’ll always know upfront what costs to expect, so there are no surprises.
I begin with a soft credit pull, which doesn’t affect your credit score, to provide accurate rate options before proceeding.
I encourage it—early planning helps me guide you, improve your buying power, and set you up for success.