Richard C Frederick

Richard Frederick, Carlsbad CA Mortgage Broker or Lender

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Specialties:

Residential sales
Luxury homes
First time home buyers
Horse properties
Relocation
Investment Properties

Work:

Omni-Fund
Carlsbad, CA
8583975433 (Phone)
License #DRE# 01223588

Client type:

Home Buyers
Home Sellers

Property type:

Single Family Home
Condo/Townhome
Multi-family

Interests:

Family
sailing
Surfing
Fly Fishing
Backpacking

Languages:

English

Skills:

Depth of Loan Programs
Difficult Prequals
Unique Loan Niches
Conventional to Government to Hard Money Lenders
Jumbos to $5 Million
Refers Good Realtors
Honest Work Ethic
Easy to Work With
Good Communicator
Competitive
Offers Guidance
Fast Processors
Available During Off Business Hours

About:

I am a graduate of San Diego State University and have lived in North County San Diego Coastal since the mid 1980's and still live there today with my wife and daughter. I originated my first mortgage loan back in 1997. My commitment then was to help my borrowers find the best mortgage product to fit their individual needs, offering the most competitive rates and fees available on the market. Today my commitment and goal is still the same. At Omni-Fund we use some of the most up to date software, along with interest rate tracking programs that give us the ability to find the best rates and terms on the market. We try to keep our overhead low so that we can pass the savings on to you. We are proud to by A+ Rated Better Business Bureau. Today my primary focus is originating loans for both home purchase and refinance through Omni-Fund's full line of mortgage solutions. Programs and Niche’s - Conventional, Government, Portfolio, Hard Money and more. • Conforming Loans: Generally the lowest interest rates, conforming to Fannie Mae and Freddie Mac guidelines • Jumbo Loans: Picks up where conforming left off - we offer loans up to $5 million • FHA Loans: Guidelines more lenient than conventional loans with as little as 3.5% down • VA Loans: Service members can purchase a home with no money down • Harp: Designed to help you get into a new, more affordable and stable mortgage when you are unable to find traditional financing because the value of your home has declined • Investor Loans: Typically up to 4 unit properties – with our affiliates we offer 5+ properties • Other Loan Programs: USDA, HomePath, Manufactured Homes, Construction, Piggybacks, Reverse and more. Other Unique Niches: • “Delayed Financing” for “Cash” buyers • No Rental History requirement for investment buyers • Reduced Mortgage Insurance programs (lower payments than Piggybacks) • We accept Appraisal Transfers • Refinance programs for "Recently Listed Properties" • Asset Depletion Programs to Qualify Income for non-employed • Income qualifying for Self-employed less than 2 years Omni-Fund, Inc. CA Broker Code 01430833, NMLS# 4869 Richard Frederick, CA DRE# 01223588, NMLS# 897204

Richard Frederick

Richard Frederick Del Mar, CA

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Work:

RC Frederick Inc

2007 to 2000
Pres. Sculptor/Pres./CEO Windsor Capital Mortgage Corporation
San Diego, CA
1999 to 2007
Loan Officer Mortgage Professionals
Irvine, CA
1998 to 1999
Loan Officer Independent Mortgage
Tustin, CA
1997 to 1998
Loan Officer Morgan Stanley Dean Witter
Rancho Santa Fe, CA
1995 to 1996
Stock Broker

Education:

Richard I. Frederick

Richard R Frederick