Today we will pay off the balance of our student loans with our home sale profit! Bill (our ELP) is an excellent real estate agent and an integral part of our journey to debt freedom.
Tony and Katie
on working with an ELP Real Estate Agent
Providers You Can Trust
Your big life decisions shouldn't be left to just anyone with a license. Connect with professionals who are trained and trusted to do things the Ramsey way and ready to super-serve all your insurance, real estate and wealth-building needs.
What Services Do You Need?
Insurance
Get affordable coverage for home, auto, long-term care and more.
Real Estate
Find expert agents to help you buy or sell a home or get a mortgage.
Taxes and Investing
Find products and pros to make sure every dollar you earn helps you reach your financial goals.
Debt Elimination
Break free from the chains of student loans, debt collections and timeshares.
Trusted Providers
Work With Ramsey-Vetted Pros
You and your hard-earned money should be served, not sold. The RamseyTrusted shield is a promise backed by our Ramsey team, and yep, even Dave himself. Our pros have earned it—and if they’re not doing whatever it takes to help you win, they’re not keeping the shield. Period.
Churchill Mortgage
Services:
You've heard Dave say that a 15-year, fixed-rate mortgage is the only way to go! But why are adjustable-rate mortgages so risky? And what’s the reasoning behind the 15-year loan? Churchill Mortgage helps Dave Ramsey fans understand everything about mortgages so that you can make the best decision for your family.
If you are debt-free, have an emergency fund in place to cover three to six months of living expenses, and you’ve saved for a down payment then you’re ready to start looking into a home mortgage. Churchill can help you find the most affordable mortgage for your budget and will be sure you get a payment that’s no more than 25% of your take-home pay.
Contact Churchill Mortgage to get a mortgage quote now.
Zander Insurance
Services:
You've heard Dave say that term life insurance is the only way to go! But why is cash value insurance such a rip-off? Why do you even need life insurance? Jeff Zander answers these most popular questions from Dave Ramsey fans so that you can make the best decision for your family.
If there is at least one person in your life that financially depends on you (spouse, children, etc.), then you must have 10–12 times your annual income worth of term life insurance in place, regardless of which Baby Step you're on.
Contact Zander Insurance to get a term life insurance quote now.
HealthEquity
Dave loves the option of using a Health Savings Account as a way to cover healthcare costs and get tax advantages! But what is a high deductible health plan? How does an HDHP work together with an HSA? And what about Medicare or Flexible Spending Accounts? HealthEquity is the only team Dave trusts to answer all of your questions about HSAs so that you can make the best decision for your family.
If you’re eligible for a High Deductible Health Plan, your family is healthy and you don’t go to the doctor too much, a Health Savings Account could be a great way for you to enjoy lower premiums and build up a big medical emergency fund that grows tax-free.
Contact HealthEquity to see if you can open an HSA account now.
Mama Bear Legal Forms
You've heard Dave say that everyone needs a will! And it’s true. A will helps you protect the people and things that matter most to you. But can you change or cancel your will in the future? And when should you do that? Mama Bear Legal Forms is the only company Dave and the entire Ramsey team recommend to answer all of your wills questions so that you can get a will in place with the coverage you need and nothing you don’t.
Mama Bear offers both Individual and Spousal Packages. Both options include Last Will & Testament, Health Power of Attorney, and Finance Power of Attorney. You need this protection today.
Contact Mama Bear Legal Forms to get your will in place now.
Ramsey SmartVestor
SmartVestor is a free service that connects you with our network of financial advisors, wealth advisors, financial planners, and other investment professionals. These are the people Dave and the whole Ramsey team trust to take care of you and your investments.
Ramsey Endorsed Local Providers
Services:
ELPs (Endorsed Local Providers) earn Dave's recommendation because they're trustworthy, high-caliber professionals who are well-respected in their communities. They earned it through a track record of success and commitment to fantastic customer service
What does it take to earn the RamseyTrusted shield?
Follow the Ramsey Way
RamseyTrusted providers share your values and come alongside you in your journey. They’re on fire for our mission and truly have the heart of a teacher.
Fully Vetted
To us, trust is an unbreachable contract—and every provider must earn it before they carry our shield. We work with a lot of good folks, but if they can’t meet our standards, they lose the shield. If they’re not going to serve you, they’re not RamseyTrusted.
Serve, Not Sell
The RamseyTrusted shield stands for top-notch service, so when you see someone wear it, you know they’re determined to help.
Real People. Real Results.
I just knew there was a better way to do my taxes . . . and I was more than happy to give up that side of my business so I could focus on my clients!
Louise
on working with an ELP Tax Advisor
Our ELP cut our insurance in half. I wish I would have checked my insurance years ago.
Shannon G.
on working with an ELP Insurance Agent
Frequently Asked Questions
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Who is RamseyTrusted for?
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You. It doesn't matter if you're on Baby Step 7 or have never heard of a Baby Step, RamseyTrusted is here for you in all your big decisions.
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Who gets to be RamseyTrusted?
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Providers who share your values and come alongside you in your journey. They're not only on a mission to help people, they love to teach the truth about their service to anyone who needs it.
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Can they lose the RamseyTrusted shield?
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They absolutely can. And even though no one can wear the shield until they've earned it, just earning it is no guarantee it will remain. Through long-term assessments and fan feedback, our team stays vigilant to make sure every Trusted provider keeps on serving you with excellence. If a provider falls short of those standards, they lose the shield.
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What are Endorsed Local Providers (ELP)?
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ELPs (Endorsed Local Providers) earn Dave's recommendation because they're trustworthy, high-caliber professionals who are well-respected in their communities. They earned it through a track record of success and commitment to fantastic customer service.
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What is SmartVestor?
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SmartVestor is a free service that connects you with our network of financial advisors, wealth advisors, financial planners, and other investment professionals. These are the people Dave and the whole Ramsey team trust to take care of you and your investments.
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How do I contact the Ramsey team?
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Contact our Ramsey Concierge team by sending an email or call us toll-free at 1(888) 227-3223, available Monday–Friday, 8:00–5:00 p.m. CST.
More About Dave Ramsey
More than 25 years ago, Dave Ramsey fought his way out of bankruptcy and millions of dollars in debt. What he learned turned into Financial Peace University—the program that has helped nearly 6 million people change their financial futures and family trees. Now, his radio show and podcast, The Ramsey Show, reaches more than 16 million listeners each week.
Want to become an ELP or trusted partner? Join the rock-star pros who help Ramsey fans win with money.
Apply Now