Branch Manager

Robert Ricard


My 34 years in mortgage lending experience gives me the advantage of successfully guiding my clients throughout the mortgage process and to help anticipate any and all challenges along the way. I will strive to provide the highest level of service to all of my clients regardless of income, background or experience in the home buying process. I will make sure that every client walks away knowing that I have met their expectations and a full understanding that I’ve advised them of all their financing options available. I am extremely knowledgeable in condo financing and I’m a new construction expert, as well being very seasoned in FHA, VA, NHHFA, RD, Conventional and Jumbo loan programs. My goal is to ensure that I have done my best to advise and educate my clients throughout the mortgage process and build the loyalty it takes to create a client for life. I am a resident of Hollis, NH (22yrs) and I have been very active in coaching and fundraising for youth sports in town. I am a member of Big Brother Big Sisters of NH. I am a member of NHMBBA and the Greater Manchester/Nashua Board of Realtors. I received my BBA at the University of Hawaii.

Apply Here

  • Phone: 603.206.6426
  • Fax: 866.640.1416
  • Office: 400 Amherst Street, Suite 301, Nashua, NH 03063
  • Cell: 603.345.3240


  • Bob Ricard of Regency Mortgage has handled many of our transactions. He has completed each and every one with the upmost of professionalism. Bob’s knowledge and experience in the industry for many years has perfected his skills to handle any situation that might arise in a transaction. We are confident that when we recommend him that our clients will receive excellent service. We would highly recommend Bob for any of your mortgage needs.

    Clara & Sonny Doss-Sousa Realty
  • I have worked with Bob Ricard for 20 years and view him as an extension of the services that I provide to my clients. I am always confident that my clients will get a complete, no nonsense understanding of the complex borrowing process and that Bob will have treated them in a honest and professional manner. I am never disappointed. It has been a pleasure to work with Bob Ricard on hundreds of transactions over the past 24 years. During that time it never mattered to Bob whether it was a $50,000 or $500,000 transaction; Bob handles each and every deal with the utmost professionalism. From the start of the loan application to the finish, there is always consistent communication and follow up, and you are never left wondering how the deal is progressing. I have referred buyer clients to Bob for over 25 years and I have never been disappointed. Bob is extremely knowledgeable in all aspects of mortgage financing. My clients were always pleased with the way he explained all financing options that are available and answered all their questions to make an informed decision. The advantage to my seller clients is when we receive a pre-approval for a buyer from Bob I know that it is one less thing that I need to worry about, and we can look forward to the closing. I would highly recommend Bob for any of your mortgage financing needs.

    Tom McPherson RE/MAX Properties Nashua, NH