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The American Dream is within your reach!

Call us today to begin your journey.

(623) 210-5182

young couple becoming homeowners in 2025

Home loans don't have to be complicated.

Contact us today and let us craft a loan that fits you like a glove. At Mortgages by Richard, we recognize that your needs, your finances, your credit profile, where you are in life and the goals you are trying yo achieve are unique to you - not every mortgage loan is made the same. Let us guide you step by step through the mortgage process, from quote to close and match you with a mortgage product that fits your needs.

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We put YOU first!
 

Discover what makes us different

Not just words - We are 100% commited, we care and deliver!

We have access to a wide range of lenders and products, which means we can compare different options and negotiate rates and terms that work best for you.

We can save you time and hassle by handling the paperwork and communication with the lenders, as well as guiding you through the application process and closing.

We offer you personalized advice and support, based on your financial situation, goals and preferences.

 WE PUT YOU FIRST!

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BLOG, NEWS & INSIGHTS

should-i-refinance-my-home-to-pay-off-high-interest-debt
 

Debt can feel overwhelming, especially when high-interest credit cards and personal loans keep piling up. If you're a homeowner, refinancing your mortgage to pay off high-interest debt might be a tempting option. But is it the right move for you? Let’s explore :)
why-your-total-monthly-payment-matters-more-than-the-interest-rate
 

Many homebuyers fixate on interest rates, but the real focus should be on the total monthly payment. Understanding all the costs involved—from principal and interest to taxes, insurance, and HOA fees—ensures you make a smarter homebuying decision.
top-6-ways-to-use-your-home-equity-wisely
 

Your home equity is more than just a number - it’s a financial resource that can help you achieve your goals. Whether you’re renovating your home, consolidating debt, or investing in real estate, using your equity wisely can set you up for long-term success.
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