Meet Our Team, Nick Richardson

Nick Richardson

Mortgage Banker, NMLS 966361

Mobile 949.400.0644

Office 760.402.6962

UTC Branch
9255 Towne Centre Dr. Suite 460
San Diego, CA 92121

A little bit about Nick... With an educational and professional background of 20+ years focused on finance, I am well positioned to provide you with your residential financing needs. I enjoy taking the time to understand your current financial situation and future financial goals. If you are ready for financing, I educate you regarding your financing options and explain the benefits of each avenue. If you are not ready for financing, I provide a strategy to prepare for your home purchase in the near future. I will work with your realtor helping you to get your home purchase offer accepted. I am available after traditional working hours, as I understand the home purchase process typically occurs after work and on weekends. I value my reputation, and I maintain relationships with my clients long after the purchase has been completed. Ultimately, my greatest professional joy is seeing my clients purchase real estate in California.

9255 Towne Centre Dr. Suite 460
San Diego, CA 92121

Long

Form Application

Approx.

10-15 Minutes

Short

Form Application

Approx.

1-15 Minutes

Español

Form Application

Approx.

10-15 Minutes

Apply Now!

The sooner we can get you qualified, the faster you’ll be moving in to your new home.

Let us help you get started on the next chapter of your life today!

Nick and team did the impossible for me - from start to finish they were able to get my mortgage done in about 10 days. In addition, Nick was very easy to work with while helping to explain all of the various pieces of the puzzle. Highly recommended.
I worked with Nick when I refinanced my home in Oct 2013, and he did a wonderful job! He was knowledgeable, thorough, and he had my best interest in mind. I never felt pressured! He was very attentive and always available by phone or email to answer my qu.....
I first met NIck Richardson in April 2013 when he worked with my step-son to get pre-qualified for a loan with his company. From our very 1st meeting he was wonderful to work with. It was like working with an old friend as opposed to someone I had just re.....
I have worked with numerous lenders in the past and had average to fair experiences. Working with Nick has been a GREAT experience! His responsiveness and work ethic are top notch. He makes the extra effort by meeting my clients whenever and wherever (eve.....

Our Resources

Our objective is simple: to give you the best tools possible to help make the best decision about your financial future.

Check out our available tools and contact Nick for more info.

Payment/Amoritization

Calculate your monthly payment and see how the principal is paid over time.

Prepayment Savings

Find out how soon you can pay off your mortgage by making a prepayment.

Rent vs. Own

Calculate the difference between renting and buying a home.

Early Payoff

Determine the additional monthly payment amount needed to pay off the loan sooner.

Annual Percentage Rate

Calculate the APR for fixed-rate or adjustable-rate loans.

Refinance Break-Even Point

Find out how long it will take to "break-even" on a refinanced loan.

Debt Consolidation

Determine if you can consolidate your debt by combining it with your home mortgage.

Tax Savings

Determine the estimated tax savings with a new loan.

Mortgage Glossary

Mortgages can be confusing for the first time home buyer, so let us help explain. Below you'll find explanations for most of the mortgage industry terms.