Hello and welcome! I’m Richard Scholes, and I’ve dedicated the last 16 years of my career to the dynamic world of mortgages. Throughout my journey, I’ve held various roles in the mortgage industry, each contributing to my extensive knowledge and expertise. Whether you’re in the process of buying, selling, refinancing, or building your dream home, I’m here to guide you through the intricate world of mortgage financing.

In my early days, I started as a Home Preservation Specialist, assisting homeowners in maintaining their properties and navigating the challenges that can arise in homeownership. My commitment to helping individuals and families achieve their housing goals led me to become a Mortgage Work Director, where I honed my skills in streamlining processes and ensuring seamless transactions.

My career progression eventually led me to become a Senior Mortgage Underwriter, a role that exposed me to a diverse range of mortgage scenarios, including purchase transactions, new construction projects, refinances, USDA, FHA, VA, Jumbo loans, Non-conforming loans, and Home Equity Lines of Credit (HELOC). This diverse experience has equipped me with the knowledge needed to navigate the ever-changing landscape of mortgage programs and market conditions.

I understand that the mortgage industry can be complex and that making the right financial decisions for you and your family is of utmost importance. My ultimate goal is to assist you in achieving your homeownership dreams and financial objectives. I am committed to providing my clients with mortgage services that consistently surpass their expectations.

Here’s how I can assist you on your mortgage journey:


Your mortgage journey is unique, and I’m here to provide the guidance and expertise you need to navigate it successfully. Whether you’re a first-time homebuyer, a seasoned homeowner, or an investor, I look forward to assisting you in achieving your homeownership and financial goals. Thank you for considering me as your trusted mortgage specialist.