Risha Kilaru - Your Home Loan Professional
Risha Kilaru
Loan Officer
NMLS #249676
Toll Free: 877-673-2802
Direct: 510-771-2033
Mobile: 510-209-7374
Fax: 877-814-1620
41111 Mission Blvd.
Fremont, CA 94539
I am licensed to originate mortgage loans in the following state(s): CA
Low-Down Payment and Renovation Product Info

Meet Risha Kilaru

Your Prospect Mortgage Home Loan Professional in Fremont, CA

Risha Kilaru is an experienced, efficient, and courteous loan professional that works hard to provide you with the best home loan options and ensures your loan is closed smoothly and on time.

With Risha Kilaru, you'll receive:

  • The strength of a company that is a multibillion-dollar direct lender
  • The peace of mind that comes from working with a lender that has the expertise and technology to find the ideal loan program for your unique needs
  • Our commitment to the highest level of customer service
Ranked 92 on Scotsman guide, Top Dollar Volume

Risha Kilaru is 203(k) Renovation Lending Certified

Risha 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.

Risha 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 Risha Kilaru 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 Risha Kilaru?

"Searching for a home in a seller's market condition is a challenging process. Offerings, pre-loan documentation and constant changing demands through the bidding process can be a stessful time for the family. Prospect Mortgage understands this. The Prospect Mortgage team supported the documentation process, provided easy access to the support team, and knows how to close the deal."
- Phillip Duarte,  Livermore , CA
"Fantastic all-round experience. I've dealt with many LO's over the past 15 years, and Risha is easily the best in the business in terms of knowledge and caring for her clients. She has a fantastic team working with her who share her passion for the client."
- Ashish Mahadwar,  San Francisco, CA
"Risha was very knowledgeable and knew exactly what she was doing. I was introduced to her after having a Loan Officer that was inexperienced and unethical. She helped me get all my documents set up after a week and I was able to get my loan at lower interest rate as well. "
- Betty Saechin,  Oakley, CA
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