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Roy Richard | NMLS# 231637

Your Trusted Mortgage Solution

With over 22 years of experience, I’m dedicated to making the mortgage process smooth and stress-free. I love helping families—especially those who think homeownership is out of reach—turn their dreams into reality. At Mortgage Solutions Financial, we specialize in VA and FHA loans that many others won’t, including VA Loans with low credit scores; allowing us to serve active military and Veterans with the care they deserve.

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Loan Specialties

Mortgage Solutions Financial can help you with a variety of loan needs, but here are the loans we are asked about the most.

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A VA loan is one of the greatest benefits of military service available. To date, millions of people have used a VA loan to purchase a home. Although VA loans are guaranteed by the federal government, the VA doesn’t actually make the loan. That’s why it’s important for you to choose a lender who puts your best interests first. After all, you’ve always put the interests of others ahead of your own; isn’t it time someone returned the favor?

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Don’t let a low down payment, lack of credit history, or inability to cover closing costs keep you from buying a home. With an FHA loan, you still may qualify. That’s because FHA loans were developed to promote home ownership by providing an alternative to conventional financing, which has stricter qualification requirements.

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A conventional loan offers fantastic rates, lower costs, and greater flexibility than other programs. Conventional loans can have a fixed or adjustable rate; talk to one of our specialists about which is best for your situation.

Not sure if you’re qualified?

Every situation is unique. Reach out and let’s discuss what it will take to put you in your dream home.

Or, schedule your appointment

Time is of the essence when making a home purchase. Lock in your consultation now so we can help you as quickly as possible.