Richard Carroll

Mortgage Advisor NMLS-459782
Richard Carroll

About Me

Richard believes that there are no ‘cookie-cutter’ home loans. Everyone’s situation is different, and one size definitely does not fit all. That’s why he believes it’s important to have options.  Just as essential, is for his clients to fully understand those options so that an informed and comfortable decision can be made on the best loan for their situation.

It’s with this in mind that Richard serves his clients. The purchase of a home is often the largest and most complex financial decision a person will make, and it’s one that is best not left to chance.  Richard’s clients praise him for being on top of his game, super responsive, knowledgeable and most importantly realistic!

Helping his clients understand the loan structure and making the process as easy as possible for his clients is always a top priority for Richard.  He’s known for his sharp focus on making the details come together to form a smooth path to a successful close.  But just as importantly he is appreciated for his innate patience, and easy-going demeanor that instinctively makes people feel comfortable around him, and willing to trust him with handling the largest financial purchase of their life.

In the sometimes ‘nail-biting’ time of working through the home-loan process, availability becomes a big issue. There’s nothing worse than trying to track someone down to get answers when the clock is ticking.  Richard’s dedication means that he strives to be 100% available for his clients – even if it means as it did once, of taking a 10:30 p.m. call on the eve of his honeymoon!

As a loan officer with Finance of America, Richards’ dedication is complimented by the company’s comprehensive loan products, prompt and thorough underwriters, and substantial marketing support to Realtors® and referral partners.

For Richard being a loan officer is all about being able to make homeownership a reality for his clients no matter how challenging the transaction.

On a personal note, besides protecting his client’s best interests, Richard dotes on and is fiercely protective of his fur babies, his two French Bulldogs.   He is a self-proclaimed foodie who took his passion to new levels while traveling extensively overseas during his honeymoon. For most Rome is about history, for Richard – it was all about the food! So if you want a recommendation for a great home loan or a great restaurant, Richard has you covered.

Richard Carroll's Reviews

5.0 Star Zillow Rating

Why Finance of America Mortgage?

We’re not about pushing loan papers. We’re about moving your dream forward. And we do that through knowledgeable local advisors, a personal approach, and a variety of smart loan options.

Learn More About Why Finance of America Mortgage?


Consumer Loans Funded


Local Advisor Branches

Frequently Asked Questions

How many properties should I look at?

The total number of properties you may look at will depend on several factors, such as your budget and the housing availability in your area. In general, real estate agents recommend that homebuyers look at several properties before making a decision, but there is not an exact number. Most people look at 10 homes, at a minimum, so they can compare them. However, you may find the dream house with more or fewer searches.

What is the best way to search for homes?

When it comes to the best home buying tips, there are different ways to search for properties. Statistics from the National Association of REALTORS® reveal that 51 percent of buyers searched and found their homes on the internet, while 30 percent used real estate agents. Other ways to search for homes include asking friends, relatives, neighbors and homebuilders for help. A small percentage of homebuyers used newspaper advertisements and yard or open house signs to search for homes.

Should I get pre-approval before making an offer?

Although a pre-approval is not one of the required steps to buying a house, it can certainly help you stand out in a competitive market with many buyers. A pre-approval can show sellers that you’re serious and capable of getting a mortgage, so they may be more likely to accept your offer.

Branch Location Map

My Office

Seal Beach, CA
3020 Old Ranch Pkwy., Suite 200
Seal Beach, CA 90740