The most efficient way to determine if private lending is right for you is an exploratory phone call. 

Call me directly, or schedule a 10-15 minute call on my Calendar. If I miss you when you call, you can text me. I usually get back to all calls within two hours?

If you would like to ask general questions via email prior to speaking on the phone or scheduling a call, please do.

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Tip: You may be a candidate for a conventional loan with a lower rate and fees than private money, but you may not have been looking in the right place. With 30 years of experience in lending I am often able to send you to a conventional lender, bank, mortgage bank, or credit union that can solve your problem.

On our call, we will:

First, determine whether you are a candidate for private money.
Second, if private money does seem like the answer I’ll explain the loan structure, quote the rate, points, and fees, and walk you through the process of setting up and closing your loan.
If you decide to move forward, I can take your application over the phone, or you can fill out a quick, secure application online.
Once I have your application, I will request documentation (private money loans often require considerably less documentation than conventional loans).You can upload documents to a secure portal or provide hard copies, as you prefer

Throughout the process I will keep you and any other parties to the transaction informed and in the loop. If you have questions I’ll be readily available, and I’ll make the process as smooth and easy as possible.

Richard is an expert in mortgages and financing. He is extremely knowledgeable about different financing options and is able to provide detailed information about what is available to his clients. He is very responsive by phone or email. He also provides a personal touch to the experience financing for a home.
Richard was instrumental in helping me purchase a house. He also came with me to do the signing at the close of the sale. I cant say enough about how passionate and experienced Richard is in his field.
Lisa Hartmayer
Nurse Practitioner, UCSF Medical Center
Richard is a rare find. His expertise regarding mortgages and real estate financing in general is super, as evidenced by his book and my personal experience. Combine that with his high level of professionalism and his style which includes humor, sensitivity and passion for delivering the best service and the best possible deals, and you have the kind of person that I truly value doing business with. I have consulted with Richard over many years on a wide variety of real estate transactions and his insights have been invaluable, while he is also an absolute pleasure to work with. I trust him absolutely to always have my back and cannot recommend him more highly.
Jon Leland
B2B Marketing
Richard did an incredible job helping me purchase my first home. He was easy to work with – giving a clear list of information required and taking the time to explain things if needed, was quick – both with getting a last minute offer put together and working with a short close on the property I purchased, and was very responsive via email & phone. From start to finish everything went smoothly. I would highly recommend Richard to anyone. Thanks Richard!
Dan Wittmer
Software Engineer