Licensed loan officer since 2011

Home loans, made clear and on your side.

Purchase, refinance and cash-out loans explained in plain English. I compare lenders, lock the best rate and stay with you until the keys are in your hand.

4.9/5 from 1,200 reviews · $420M+ funded
Richard Hale with arms crossed, smiling

See how much you could borrow against your home.

Available equity$220,000Up to 80% of value, minus what you owe.
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Illustration only. Not a loan offer.

About Richard

Fourteen years of making
mortgages make sense

  • $420M+Home loans funded for buyers and homeowners
  • 1,800+Families who got the keys with a clear plan
  • 19 daysAverage time from application to closing
  • 12States where I am licensed to lend

I treat every loan like it is my own family's: clear numbers up front, no surprise fees at closing and a phone that always gets answered.

  • FHA
  • VA
  • Jumbo
  • Refinance
  • First-time buyers

Richard Hale, Senior Loan Officer · NMLS #0000000

Book a free call
Richard Hale, home loan officer

Loans

Six loans. Every number up front.

Rates, fees and time to close for each loan, refreshed every weekday morning. Pick one to see the full breakdown.

See today's rates

Sample rates for illustration only. Actual rates depend on credit, property and loan details, and are not a commitment to lend. Photos: Unsplash.

Free quote · No credit pull

Free quote

    Loan studio

    Know your number before you talk to anyone.

    One simulator that does the maths for you: your payment, what you can afford, two loans side by side, what extra payments save and which programs you qualify for.

    • Payment
    • Eligibility
    • Compare
    • Extra payments
    • Amortization

    What would you like to explore?

    Pick the closest match. The simulator walks you through four short steps and builds a side-by-side plan with charts, costs and the programs you can qualify for.

    • No credit pull, nothing leaves this page
    • Rates and rules are samples
    • Takes about two minutes

    Sample rates and rules for illustration only. This is an educational estimate, not a loan offer or commitment to lend.

    How I help

    One loan officer from first call to closing day

    • Fast pre-approval

      Know your budget in a day, with a letter sellers take seriously and no credit pull to get started.

    • Lender shopping

      I compare 40+ lenders for the lowest rate and fees, then lock it when the numbers are right for you.

    • Simple paperwork

      A clear checklist of exactly what is needed, upload from your phone and never send the same document twice.

    • Closing on time

      I coordinate with your agent, the appraiser and the title company so closing day holds, without surprises.

    • Refinance reviews

      Already own a home? I check each year whether a lower rate or equity loan would save you money.

    • Answers, always

      Call, text or email me directly. You get a real reply from me, not a ticket number or a call centre.

    • Top Loan OfficerMetro Region
    • Excellence inClient Service
    • Rising Lenderof the Year

    The best loan is the one you understand. I pair lender-level knowledge with live rate data, so you know when to lock.

    • Home loans funded
      across 12 states      1,800+
    • Average time from
      application to clear to close      19 days
    • Total loan volume
      funded for clients      $420M
    • Clients who come back
      or refer someone      89%

    Trusted by 300+ agents, builders and title partners

    What clients say

    Judged on closings, not on promises

    4.9/5 from 1,200 verified reviews

    • Richard talked us out of the loan we nearly signed and found one that saved us $240 a month. We closed in 18 days.

      Grace KimFirst home, Austin

    • Every number he quoted on day one matched the final closing disclosure. After two other lenders, that alone was worth it.

      Ben FosterRefinanced, Denver

    • As a veteran I had no idea VA loans needed no down payment. He walked me through every stage and answered texts on a Sunday.

      Katie SullivanVA loan, San Diego

    • The equity loan paid for our kitchen without touching our low first-mortgage rate. He showed us the maths before we asked.

      Mark DawsonHome equity, Atlanta

    • Pre-approved in a day, with a plain checklist of what he needed. Our offer was accepted over two others at the same price.

      Lily ChenFirst home, Columbus

    • Selling and buying on the same week sounded impossible. He lined up the bridge funds and the dates, and nothing slipped.

      Jorge RamirezMove-up buyer, Phoenix

    • He compared a conventional and a DSCR loan side by side for my rental. The simulator on his site matched his real quote.

      Hannah LeeInvestor, Seattle

    • He called the week before closing to say rates had dropped and re-locked us. That one phone call saved us over $11,000.

      Tom BeckerRefinanced, Tampa

    Drag to explore

    FAQ

    Questions, answered plainly.

    Short answers to what people ask most. Still unsure? Call me, it is free.

    Talk it throughMon to Fri 8am to 7pm ET. I usually pick up within two rings.
    Book a call(214) 555-0143

    • No. Checking your options and getting a quote is free, and I show every fee before you decide to apply. Lenders pay me when a loan closes, so you never get a bill from me.

    • Not at all. The simulator and my first quote use a soft check or no check, so your score stays the same. A hard credit pull only happens when you choose to formally apply.

    • I compare more than 40 lenders on your exact numbers: credit, down payment, property and timeline. You see the lowest total cost first, not the one that pays me the most.

    • The rate is the cost of borrowing the money. The APR adds lender fees and some costs on top, so it is a truer price for comparing loans. I always show both.

    • Pre-approval usually takes a day. Most purchase loans close in about 19 days and refinances in about 14, depending on the appraisal and how quickly documents come in.

    • Typically two recent pay stubs, two years of W-2s, two months of bank statements and a photo ID. Self-employed borrowers add tax returns. I send a checklist so you only upload what is needed.

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    Rates move. Stay one move ahead.

    Get a short note each Monday with the week's rates, what changed and whether it is a good time to lock. Written by me, not a bot.

    Rather talk? Call (214) 555-0143