Richard proudly serves clients in the Ramsey, NJ area. Richard has 22 years of experience as a Senior Home Lending Advisor and specializes in preapproval, lending to self-employed clients, fixed-rate mortgages, vacation home financing, condo and co-op lending, and first-time homebuyer programs. Whether you're a first-time homebuyer, need to expand or downsize, or are looking for a second home, Richard is here to help you find a mortgage to fit your needs. Starting with a review of your finances, Richard can help you get a clear picture of what might work best for you. Richard will explain your options, answer any questions you may have, keep you informed and guide you through every step of the mortgage process. Above all, Richard wants to ensure that you have a positive home lending experience.