As a professional in the mortgage lending industry, Rich has built his reputation on providing outstanding service to his clients and real estate agents. Rich started his mortgage career in 1992 as a loan officer for a small private money firm, Coast Capitol Corporation in Mountain View, CA. After moving to Lodi in 1999, he opened Capitol Mortgage, where his primary focus was government lending. In 2011, Capitol Mortgage became a retail branch of Alpine Mortgage Planning. And in 2016 Alpine Mortgage Planning took the name of our parent company and became Finance of America Mortgage, LLC.
Rich has been a top producing branch manager for 23 of the 26 years he has been in the mortgage lending industry. His ability to balance management as well as a high level of productions has contributed to his overall success. It is and always has been, Rich’s goal to help real estate agents and their clients meet their goals, while providing the highest level of customer service.
Get an idea of what your monthly mortgage payment may be, including costs associated with your mortgage such as property taxes, homeowners insurance, and Private Mortgage Insurance (PMI), if applicable.
Recalculate your new house payment based on loan amounts, interest rates, and other factors, to see if refinancing your mortgage is a smart financial move.
Calculate how much house you can afford. Get an estimate for a mortgage amount that may fit comfortably within your budget.
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.
Frequently Asked Questions
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.
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.
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.
You have questions, we have answers.
Together, we’ll find great mortgage solutions.
Schedule a talk with a mortgage advisor or leave a message. We’ll get back within one business day.