The RFG Family

As a valued member of the RFG family, Bart Rice leads the company he founded with a personal, relationship-first approach. A Tampa native, his family’s local roots stretch back to the 1800s. Bart and his family have also made a home in the Dade City area, where they spend weekends at their ranch.

Bart has always had a strong entrepreneurial drive, with business ventures ranging from motorcycles to coffee. He entered the financial world as a residential mortgage originator in 2004 and started his own firm shortly afterward in 2006.

Bart, his wife Charity and their seven children have opened their home to fostering and developed a passion for helping reunify families. When he is not working, Bart can often be found at the local CrossFit gym or in the garage with a vintage car.

As Founder and Managing Broker, Bart’s vision is to build RFG around dedicated, highly qualified team members who are fully committed to making the path to homeownership as simple, efficient and understandable as possible. He continues to lead the RFG team toward thoughtful growth, stronger service for clients and Realtor partners, and an elevated customer experience at every stage. His goal is to help more families achieve their dream of homeownership while preserving the personal care and relationship-first approach that define RFG.

As a valued member of the RFG family, Kerry Yassin serves as a Mortgage Loan Originator, licensed Florida real estate professional and Director of Strategic Partnerships at Rice Financial Group. With more than 20 years of experience across mortgage lending, banking, sales leadership and real estate, Kerry brings a powerful combination of lending knowledge, relationship strategy and firsthand investor experience to every client and partner conversation.

Kerry began his mortgage career in 2003 and has served Tampa Bay homebuyers and homeowners ever since. Before joining RFG, he spent 12 years as a Vice President at Bank of America, where he was a top-producing Branch Manager and Small Business Banker. He led two of Tampa Bay’s most affluent banking branches and advised entrepreneurs on financial strategy and growth. As an active real estate investor, Kerry also understands the buying and financing process from the client’s side of the table.

At RFG, Kerry’s primary focus is helping real estate brokerages and teams grow through strategic partnership, practical mortgage education and consistent value. He works with brokerage leaders to create tailored Lunch-and-Learns that equip agents to better serve buyers and sellers, recognize financing opportunities, communicate with greater confidence and build stronger client relationships. His goal is to help RFG and its real estate partners build lasting books of business together through education, trust and shared success.

Kerry is also the founder of Keys with Kerry, a platform centered on financial education and sales coaching. A Tampa Bay native, husband and father, he is driven by faith, family and legacy. Even after decades in the industry, few moments mean more to him than helping a first-time buyer receive the keys to a home. His mission is simple: deliver a clear, honest experience built around what is best for the family or business partner in front of him.

As a valued member of the RFG family, Terry Husbands brings a strong belief that homeownership can be a meaningful foundation for long-term financial stability and the potential to build generational wealth. His goal is to take a process that can feel complicated and, with the support of the RFG team, make it as clear, organized and stress-free as possible.

For Terry, every home purchase begins with a deeply personal reason—security, family, opportunity or a fresh start. He takes time to teach clients how the financing works, explain their options and help them make decisions with confidence while understanding how homeownership may contribute to their long-term financial goals.

Terry is a husband, father, veteran, brother and son, but the role he values most is teacher. He enjoys helping people recognize their potential and move forward with greater clarity. His approach is simple: listen first, educate honestly and always ask, “How can I help?”

As a valued member of the RFG family, Erik Michor plays a vital role in serving clients directly and strengthening the systems that support them. As a Mortgage Loan Officer, he partners with homebuyers and Realtors throughout the preapproval process, helping them understand their costs, identify a mortgage payment that fits their budget and work through the numbers with confidence when it is time to make an offer.

Beyond his work with clients, Erik is dedicated to continually improving the technology and systems that make the mortgage process simpler, faster and more transparent. He believes great service and great tools go hand in hand. By streamlining how RFG communicates, shares updates and moves loans forward, he helps provide clients and Realtor partners with a clear, seamless experience from preapproval through closing.

Patient, dependable and always looking for a better way to serve, Erik also supports RFG’s other Loan Officers so every client is well cared for seven days a week. At RFG, taking care of people is always the goal, and Erik brings that commitment to everything he does.

As a valued member of the RFG family, Donna Hynick serves as Director of Pipeline Operations, providing the behind-the-scenes coordination that keeps every loan organized, accurate and moving forward. She works closely with buyers to confirm that required documentation has been uploaded and reviews income documentation for consistency before files advance to processing. By identifying missing or conflicting information early, Donna helps the team reduce surprises and protect the accuracy of each loan file.

Throughout the transaction, Donna serves as a central communication link among buyers, Realtors on both sides, the title company, RFG’s Loan Officers and the processing team. She tracks important milestones, follows up on outstanding items and helps ensure everyone understands the current status and next step. Her attention to detail and commitment to communication provide the solid operational foundation clients and partners rely on from application through closing.

Originally from New England, Donna first came to Florida for college, where she earned a Bachelor of Science in Biology. Her career has spanned banking, hospitality, laboratory work, clinical research, financial management, massage therapy, forensic technology with the Florida Department of Law Enforcement and more than eight years as Office Administrator at Eaton Realty. This combination of analytical thinking, real estate experience, customer service and a genuine love of helping people made mortgage operations a natural fit.

Donna and her husband, Aaron, have called the Tampa Bay area home for more than 20 years and are the proud parents of two sons. Outside of work, she enjoys spending time with her family, being active in her church and playing with her fur babies.

As a valued member of the RFG family, Victoria Rivera serves as Director of Loan Processing and is exclusively dedicated to RFG clients and loan files. From the moment a loan enters processing, she coordinates required documentation, tracks processing requirements and works proactively to keep each file moving toward underwriting and closing. Her focused support gives buyers and Realtor partners a knowledgeable, consistent point of contact throughout this critical stage of the mortgage process.

Passionate, thorough and deeply committed to helping people become homeowners, Victoria approaches every file with care and urgency. She works closely with RFG’s clients, Loan Officers, lenders and transaction partners to address questions, satisfy outstanding requirements and help prevent avoidable delays. Her goal is to guide each client as smoothly as possible toward the closing table and the moment they receive the keys to their new home.

Before joining RFG, Victoria worked as a Project Manager in the agricultural industry. Her ability to plan proactively, solve problems and manage details made her a natural fit for mortgage processing. She brings more than 15 years of business-administration experience and earned an Associate of Arts in Liberal Arts from the Florida Institute of Technology after beginning her college studies at Montclair State University.

Born in Texas and raised in New Jersey, Victoria has lived in Florida since 2007. She is a licensed Realtor, is fully bilingual in English and Spanish and is actively involved as a volunteer with her local church. Victoria and her husband, Rob, have two children and three dogs. Together, they enjoy Florida’s beaches, theme parks, family game nights and great food.

As a valued member of the RFG family, Jimmy Cazin serves as Director of Client Relations for South Tampa, acting as a trusted community connector and brand ambassador for the Rice Financial Group. He helps prospective homebuyers and Realtor partners connect with the right members of the RFG team so they can receive clear guidance, responsive communication and an exceptional mortgage experience from the very beginning.

A lifelong South Tampa resident, Jimmy is a graduate of H. B. Plant High School, Flagler College and Columbia Theological Seminary, where he earned a Master of Divinity. He has spent much of his career serving churches throughout Tampa Bay, including helping revitalize First Presbyterian Church in downtown Tampa and planting Citrus Point Church in North Tampa. Jimmy also previously worked as a Loan Officer, giving him a practical understanding of the mortgage process and the support clients and real estate professionals need.

Jimmy brings the same character, integrity and commitment to service that defined his years in ministry to every RFG relationship. His goal is to make meaningful introductions, help clients and partners feel supported and ensure that each person is connected with a team prepared to make the home-financing process as smooth and enjoyable as possible. Reuniting professionally with his lifelong friend Bart makes this work especially meaningful to him.

Jimmy is the father of four and enjoys spending his free time coaching his son in Little League baseball or sharing lunch with one of his daughters. His deep South Tampa roots, relationship-first approach and genuine desire to help people make him a natural representative of the RFG family.