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

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Topic: Renovation Lending - Take Advantage of Renovation and Rehab Loans Instead of Credit Cards
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Nick Richardson

Your Loan Officer in California

As a Prospect Mortgage lending professional, Nick Richardson is knowledgeable about a wide range of different loan programs in order to serve your unique needs and financial goals. Whether you're making a first time purchase, a second home purchase or looking to refinance, Nick can help you.

 

Nick is also an expert on 203k 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. We offer other  Renovation Mortgages – including HomeStyle® Renovation and HomePath® Renovation Loans – to meet the needs of our borrowers for primary residences, second homes and investors. I look forward to working with you!

 

What are people saying about Nick Richardson?
"We were very pleased with our Loan Officer. It was our first home purchase and we had tons of questions. Nick sat us down and explained everything to us about the process from beginning to end. Took ..."
- Jose Oliva
  San Diego , CA
"Nick was very patient, knowledgeable & handled everything on a timely manner. The buyers are very pleased as well. Thanks Nick for doing a great job. "
- Vinita Ott
  El Cajon, CA
"He is awesome to work with. He helps from the beginning until end. He makes thing go so so smoothly."
- Sophorn Duk
  Bonita, CA