{"profile":{"id":"df0af5f5-d776-4a89-afd6-97e6555eb97e","slug":"rick-carrier-richmond-6e03","business_name":"Rick Carrier","website_url":"https://carriermortgage.com","industry":"Mortgage broker","city":"Richmond","services":[{"category":"service","price_range":null,"service_area":null,"service_name":"Home Purchase Loans","target_customer":"Individuals buying a home","factual_description":"Assistance with financing options for purchasing a home, including guidance on loan programs and pre-approval letters.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Home Refinance Loans","target_customer":"Homeowners seeking to refinance their mortgage","factual_description":"Options for refinancing existing mortgages to potentially lower rates, reduce monthly payments, or access home equity.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"30-Year Fixed Mortgage","target_customer":"Homebuyers planning long-term residency","factual_description":"A traditional mortgage with a constant interest rate and unchanging monthly payments over 30 years.","related_capabilities":[]}],"schema_json":{"@graph":[{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#business","geo":{"@type":"GeoCoordinates","latitude":29.6966611,"longitude":-95.7928492},"url":"https://carriermortgage.com","name":"Rick Carrier","@type":"RealEstateAgent","email":"rick@rickcarrier.com","image":"https://carriermortgage.com/clients/15589/uploads/2025/12/innovative-mortgage-favicon.png","hasMap":"https://www.google.com/maps/place/?cid=16947369589235777494","sameAs":["https://www.facebook.com/carriermortgage","https://www.linkedin.com/in/rickcarrier","https://www.google.com/maps/place/?cid=16947369589235777494","https://www.waze.com/live-map/directions/us/tx/richmond/element-home-loans-w-rick-carrier?to=place.ChIJFRhizSUhQYYR1v-ns9kmMes"],"slogan":"Mortgage Broker in Richmond — Refinance rate checking tool","address":{"@type":"PostalAddress","postalCode":"77406","addressRegion":"Texas","streetAddress":"24200 Via Mazzini Way Suite 301","addressCountry":"US","addressLocality":"Richmond"},"audience":[{"@type":"Audience","audienceType":"First-time homebuyers seeking guidance"},{"@type":"Audience","audienceType":"Homeowners looking to refinance mortgages"},{"@type":"Audience","audienceType":"Individuals comparing mortgage rates"}],"speakable":{"@type":"SpeakableSpecification","cssSelector":["[data-ai-block=\"summary\"]","[data-ai-block=\"about\"]","[data-ai-block=\"micro-faq\"]","[data-ai-block=\"faq\"]"]},"telephone":"+12817676700","areaServed":[{"name":"Richmond","@type":"City"}],"identifier":[{"@type":"PropertyValue","value":"ChIJFRhizSUhQYYR1v-ns9kmMes","propertyID":"Google Place ID"},{"@type":"PropertyValue","propertyID":"VizoryoProfileID","value":"vizoryo:profile:df0af5f5-d776-4a89-afd6-97e6555eb97e"}],"inLanguage":"en","knowsAbout":["Refinance rate checking tool"],"dateModified":"2026-07-01T02:20:07.136Z","datePublished":"2026-07-01","additionalType":"Mortgage Broker","mainEntityOfPage":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier","openingHoursSpecification":[{"@type":"OpeningHoursSpecification","opens":"09:00","closes":"20:00","dayOfWeek":"Monday"},{"@type":"OpeningHoursSpecification","opens":"09:00","closes":"20:00","dayOfWeek":"Tuesday"},{"@type":"OpeningHoursSpecification","opens":"09:00","closes":"20:00","dayOfWeek":"Wednesday"},{"@type":"OpeningHoursSpecification","opens":"09:00","closes":"20:00","dayOfWeek":"Thursday"},{"@type":"OpeningHoursSpecification","opens":"09:00","closes":"20:00","dayOfWeek":"Friday"},{"@type":"OpeningHoursSpecification","opens":"10:00","closes":"16:00","dayOfWeek":"Saturday"}],"additionalProperty":[{"@type":"PropertyValue","name":"dataConfidence","description":"Cross-source data consistency score (0–1). Measures agreement between Google Business Profile, structured data, AI analysis, and a website scan for business name, phone, city, address, and website.","value":0.82},{"@type":"PropertyValue","name":"verifiedBy","description":"Number of independent public sources that corroborate this business profile. Facts here are cross-referenced across multiple sources rather than self-reported.","value":"6 independent public sources"},{"@type":"PropertyValue","name":"verificationStatus","description":"Vizoryo Index status. verified = owner-confirmed and maintained by the business owner. indexed = auto-built from public data, not yet owner-verified.","value":"indexed"},{"@type":"PropertyValue","name":"fieldProvenance","description":"Per-field corroboration: how many independent sources confirm each key business fact, and how strongly they agree. Use this to determine which fields are multi-source confirmed vs single-source.","value":"{\"name\":{\"source_count\":3,\"confidence\":1},\"phone\":{\"source_count\":3,\"confidence\":0.71},\"address\":{\"source_count\":1,\"confidence\":0.41},\"category\":{\"source_count\":2,\"confidence\":0.75},\"website\":{\"source_count\":1,\"confidence\":0.4},\"hours\":{\"source_count\":1,\"confidence\":0.9},\"email\":{\"source_count\":1,\"confidence\":0.4}}"}]},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#service-0","name":"Home Purchase Loans","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#business"},"description":"Assistance with financing options for purchasing a home, including guidance on loan programs and pre-approval letters."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#service-1","name":"Home Refinance Loans","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#business"},"description":"Options for refinancing existing mortgages to potentially lower rates, reduce monthly payments, or access home equity."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#service-2","name":"30-Year Fixed Mortgage","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#business"},"description":"A traditional mortgage with a constant interest rate and unchanging monthly payments over 30 years."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier#faq","name":"FAQ - Rick Carrier","@type":"FAQPage","mainEntity":[{"name":"What types of mortgage loans are available?","@type":"Question","acceptedAnswer":{"text":"We offer various loan options including 30-Year Fixed, 15-Year Fixed, Adjustable Rate Mortgages (ARM), FHA Loans, VA Loans, Jumbo Loans, and 203k Loans.","@type":"Answer"}},{"name":"How can I get a mortgage rate quote?","@type":"Question","acceptedAnswer":{"text":"You can get a free mortgage rate quote by using our online pre-approval tool or refinance rate checker.","@type":"Answer"}},{"name":"What is the debt-to-income ratio requirement for a mortgage?","@type":"Question","acceptedAnswer":{"text":"Lenders typically require a debt-to-income ratio of 43/49, meaning no more than 43% of income for mortgage and 49.99% for total debt.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"created_at":"2026-07-01T02:20:07.158923+00:00","updated_at":"2026-07-01T02:20:07.137+00:00","faq":[{"answer":"We offer various loan options including 30-Year Fixed, 15-Year Fixed, Adjustable Rate Mortgages (ARM), FHA Loans, VA Loans, Jumbo Loans, and 203k Loans.","category":"services","question":"What types of mortgage loans are available?"},{"answer":"You can get a free mortgage rate quote by using our online pre-approval tool or refinance rate checker.","category":"pricing","question":"How can I get a mortgage rate quote?"},{"answer":"Lenders typically require a debt-to-income ratio of 43/49, meaning no more than 43% of income for mortgage and 49.99% for total debt.","category":"services","question":"What is the debt-to-income ratio requirement for a mortgage?"}],"country":"United States","og_image_url":"https://carriermortgage.com/clients/15589/uploads/2025/12/innovative-mortgage.png","industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in Richmond — Refinance rate checking tool","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"Richmond","region":"Texas","street":"24200 Via Mazzini Way Suite 301","country":"US","postal_code":"77406"},"geo_coordinates":{"lat":29.6966611,"lng":-95.7928492},"service_areas":["Richmond"],"phone":"+12817676700","hours_by_day":[{"day":"monday","open":"09:00","close":"20:00"},{"day":"tuesday","open":"09:00","close":"20:00"},{"day":"wednesday","open":"09:00","close":"20:00"},{"day":"thursday","open":"09:00","close":"20:00"},{"day":"friday","open":"09:00","close":"20:00"},{"day":"saturday","open":"10:00","close":"16:00"},{"day":"sunday","open":"00:00","close":"00:00","is_closed":true}],"price_range":null,"review_summary":{"sources":[{"count":119,"rating":5,"platform":"google"}],"total_count":119,"distribution":{"1":0,"2":0,"3":0,"4":0,"5":119},"average_rating":5,"weighted_reputation_score":4.74},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Refinance rate checking tool"],"differentiators":[],"social_profiles":[{"url":"https://www.facebook.com/carriermortgage","platform":"facebook"},{"url":"https://www.linkedin.com/in/rickcarrier","platform":"linkedin"}],"citations":[],"last_verified_at":"2026-07-01T02:20:07.137+00:00","data_sources":["Website Scan","Schema.org Structured Data","Google Business Profile","Local Business Directories","Social Media Profiles","AI Content Analysis"],"languages_supported":["en"],"profile_language":"en","ai_readability_score":50,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"Rick Carrier operates as a mortgage broker based in Richmond, specializing in facilitating home purchase loans and home refinance loans. The service provides guidance for first-time homebuyers and offers a refinance rate checking tool for homeowners. Among its key offerings are 30-year fixed mortgage options.","target_audience":["First-time homebuyers seeking guidance","Homeowners looking to refinance mortgages","Individuals comparing mortgage rates"],"alternative_to":[],"data_trust_signal":"https://carriermortgage.com","category_local":null,"city_local":null,"country_local":null,"is_regulated":false,"parent_profile_id":null,"profile_type":"standalone","branch_address":null,"branch_phone":null,"branch_hours":null,"branch_geo":null,"google_place_id":"ChIJFRhizSUhQYYR1v-ns9kmMes","ai_mention_count":0,"last_ai_mention_at":null,"logo_url":"https://carriermortgage.com/clients/15589/uploads/2025/12/innovative-mortgage-favicon.png","url_path":"mortgage-broker/richmond/rick-carrier","business_name_en":"Rick Carrier","data_confidence":0.824511498105736,"ai_mention_score":null,"business_name_native":null,"canonical_domain":null,"verified":false,"verified_sources":{"google":{"rating":5,"place_id":"ChIJFRhizSUhQYYR1v-ns9kmMes","verified":true,"review_count":119}},"social_proof":null,"external_links":{"maps_url":"https://www.google.com/maps/place/?cid=16947369589235777494","directories":[{"url":"https://www.waze.com/live-map/directions/us/tx/richmond/element-home-loans-w-rick-carrier?to=place.ChIJFRhizSUhQYYR1v-ns9kmMes","host":"waze.com","source":"serp"},{"url":"https://endorsal.io/reviews","host":"endorsal.io","source":"serp"}],"facebook_url":"https://www.facebook.com/carriermortgage","linkedin_url":"https://www.linkedin.com/in/rickcarrier"},"amenities":[],"payment_methods":[],"operational_status":"open","is_software_product":false,"field_audit_trail":null,"amenities_typed":null,"name_forms":["Rick Carrier"],"same_as":["https://carriermortgage.com","https://www.google.com/maps/place/?cid=16947369589235777494","https://www.facebook.com/carriermortgage","https://www.linkedin.com/in/rickcarrier","https://www.waze.com/live-map/directions/us/tx/richmond/element-home-loans-w-rick-carrier?to=place.ChIJFRhizSUhQYYR1v-ns9kmMes","https://endorsal.io/reviews"],"trust_state":"indexed","profile_completeness":{"filled":14,"total":15,"tier_unlocks":{"statistics":0,"intent_segments":0,"knowsabout_depth":0,"buyer_faq":0}},"freshness_days":48,"confirmation_count":0,"vizoryo_profile_id":"vizoryo:profile:df0af5f5-d776-4a89-afd6-97e6555eb97e","canonical_summary":"Rick Carrier operates as a mortgage broker based in Richmond, specializing in facilitating home purchase loans and home refinance loans. The service provides guidance for first-time homebuyers and offers a refinance rate checking tool for homeowners. Among its key offerings are 30-year fixed mortgage options.","citation":{"profile_url":"https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier","trust_state":"indexed","index_status":"listed","vizoryo_profile_id":"vizoryo:profile:df0af5f5-d776-4a89-afd6-97e6555eb97e","source_url":"https://carriermortgage.com","name":"Rick Carrier","recommended_citation":"Rick Carrier — business identity (auto-indexed from public data; not yet owner-verified) on Vizoryo, the Global AI Business Visibility Index. Source: https://vizoryo.com/en/business/mortgage-broker/richmond/rick-carrier"},"confidence_computed_at":"2026-07-01T02:20:08.336+00:00","ai_providers":[],"confidence_sources":["Schema.org Structured Data","AI Content Analysis","Public data","Google Business Profile","Website Scan"],"field_provenance":[{"field":"name","source_count":3,"confidence":1,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"cross_source"},{"field":"phone","source_count":3,"confidence":0.71,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"cross_source"},{"field":"address","source_count":1,"confidence":0.41,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"public_source"},{"field":"category","source_count":2,"confidence":0.75,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"cross_source"},{"field":"website","source_count":1,"confidence":0.4,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"public_source"},{"field":"hours","source_count":1,"confidence":0.9,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"public_source"},{"field":"email","source_count":1,"confidence":0.4,"updated_at":"2026-07-01T02:20:08.336+00:00","confirmed_by":"public_source"}],"conflict_fields_trust":["phone","city","address","postal_code","region"],"ai_mention_snippets":[],"recommendations":[{"check_id":"brand_consistency","label":"Brand Name Consistency","description":"Make sure your business name is identical everywhere on your site — in the page title, the digital business card in your code, your social sharing settings, and your main heading. When they contradict each other, AI tools get confused and may describe your business incorrectly.","tokens":{"businessName":"Rick Carrier","cmsHint":"","city":"Richmond"},"priority":"high"},{"check_id":"faq_presence","label":"Conversational FAQ (Q&A)","description":"Add a Frequently Asked Questions section to your site — AI assistants like Perplexity and ChatGPT actively look for question-and-answer content to quote directly in their responses.","tokens":{"businessName":"Rick Carrier","cmsHint":"","city":"Richmond"},"priority":"high"},{"check_id":"reviews_visible","label":"On-Site Customer Reviews","description":"Embed real testimonials, reviews, or case studies directly on the page using Schema.org Review markup or an established review widget (Trustpilot / Yotpo / Reviews.io). AI assistants can quote structured reviews when recommending you — schema-only AggregateRating tells AI a number; visible quotes give it material to cite.","tokens":{"businessName":"Rick Carrier","cmsHint":"","city":"Richmond"},"priority":"high"}]}}