Nick Richardson - Your Home Loan Professional
Nick Richardson
Loan Officer
NMLS #966361
Direct: 858-550-2555
Mobile: 949-400-0644
Fax: 877-773-1481
4275 Executive Square, Suite 700
La Jolla, CA 92037
I am licensed to originate mortgage loans in the following state(s): CA
Low-Down Payment and Renovation Product Info

Nick Richardson

Prospect Mortgage Loan Officer in La Jolla, California

A Wide Range of Lending Needs

As a licensed Prospect Mortgage Loan Officer in California (NMLS #966361), Nick can assist you with your home loan needs, including: 

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Nick welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Nick has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Nick Richardson Anytime

Feel free to contact Nick anytime by phone or email for personalized service and expert advice. Nick will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Nick Richardson is 203(k) Renovation Lending Certified

Nick is also an expert on 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible as well.

Nick values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Nick Richardson if you’d like more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

What are people saying about Nick Richardson?

"Nick was very helpful throughout the loan process and was always available to answer any questions or concerns. "
- James Geekie,  Carlsbad, CA
"Our experience with Prospect Mortgage began with a referral I received from my sister in law, she told me I had to meet Nick Richardson from Prospect Mortgage, that he was amazing. Within a day I was at the coffee shop meeting Nick and reviewing all my mortgage options. He brilliantly laid out all the choices, associated costs with buying a home, and was able to design our family a mortgage solution that fit our needs perfectly. The educational process at this stage was invaluable and as we signed our final closing loan documents we were confident in the product we had selected and had no questions as to our financial commitment. In addition to the amazing service we received from Nick Richardson, we also had the pleasure of working with his team, they were incredibly patient, helpful ..."
- Kimberly DeGraw,  Encinitas, CA
"Nick Richardson and the Prospect Team were extremely professional, knowledgeable, speedy in processing and the communication was constant. The refinance transaction went very smooth and I would recommend Nick and team to all of my associates and friends. My mortgage payment went from $2300 to $1800 and I couldn't be happier! My many thanks to the Prospect Team and especially to Nick."
- Delia Warren,  Vista, CA
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