Our Loan Options

The right loan, at the right time, under the right terms.


Different loan programs have different benefits and drawbacks. At Mortgages by Richard, we want to help you choose the loan that best suits your needs. Please reach out to us for a free consultation to begin your journey today.

If you are a veteran, active-duty personnel, or the surviving spouse of a veteran, we encourage you to utilize your VA benefits to finance your home purchase. This loan option entails no down payment and eliminates the need for mortgage insurance, resulting in lower monthly payments.
Small Down Payment, Big Opportunity. FHA loans present an avenue to enter the real estate market, particularly for individuals with limited funds for a down payment or those requiring flexible qualification options.
If you are seeking a loan that offers significant purchasing power, we recommend considering a Conventional loan. This adaptable loan option provides flexibility in terms of the required down payment and enables you to purchase primary residences, vacation homes, and investment properties.
Looking for a mortgage loan that does not require any down payment, you might be interested in the USDA loan. This is a program offered by the United States Department of Agriculture to help rural property owners buy a home.
If you are considering upgrading your current home or acquiring an investment property or second home, it is worth exploring the advantages of jumbo loan financing. These loans cater to borrowers, including first-time homeowners, who require financing of $726,200 or more.

What our clients say.