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Ginny Richards
Mortgage Loan Originator|NMLS # 330735| Branch NMLS # 244074
San Francisco Bay Area | Mortgage
4.94 -
138 Review(s)
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This is not a commitment to lend. Program restrictions apply. Stearns Lending, LLC offers many loan products. Stearns Lending, LLC is a California Limited Liability Company headquartered at 4 Hutton Centre Drive, 10th Floor, Santa Ana, California 92707. (800) 350-LEND (5363) Company NMLS# 1854 (https://www.nmlsconsumeraccess.org). Stearns Lending, LLC is licensed, registered, or exempt from licensing to conduct business in the following states which require license disclosure on advertising materials: Arizona Mortgage Banker License #0905413; Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act RMLA# 4130495; Georgia Residential Mortgage Licensee #24066; Illinois Residential Mortgage Licensee #MB.6760686; Kansas Licensed Mortgage Company #MC.0025047; Massachusetts Mortgage Lender/Broker License #MC1854; Licensed by the Mississippi Department of Banking and Consumer Finance; Missouri Residential Mortgage Loan Broker License #12-2052 (Stearns' in state office is located at 111 West Port Plaza, Ste. #639, St. Louis, MO 63143); Licensed by the New Hampshire Banking Department; Licensed by the N.J. Department of Banking and Insurance; Ohio Certificate of Registration #MB.804022.000; Rhode Island Licensed Lender; Registered under Texas SML Mortgage Banker Registration; Virginia State Corporation Commission Lender/Broker License #MC-2184; Washington Consumer Loan Company License #CL-1854. For State of Nevada residents Stearns Lending, LLC is a mortgage lender promoting the loan products or services contained in this article; the business phone number that Stearns Lending maintains on file with the State of Nevada Department of Business and Industry is (714) 513-7777. This information is accurate as of June 26, 2017. © 2017 Stearns Lending, LLC All Rights Reserved.
About Ginny Richards
Since 1988, Ginny’s been making the loan process quick and easy for people purchasing and refinancing homes and other properties. People love working with her because she plans ahead and double checks the details. Every. Single. Time. She assists all types of buyers and homeowners, including first-time homebuyers, military veterans, people who are growing into bigger homes, people who choose to downsize, and those who want to refinance their property. She works with many loan products, including conventional, FHA, VA, USDA and jumbo loans. LOANS TAILORED TO MEET YOUR NEEDS Ginny arranges loans so her clients get what they need based on their unique short-term and long-term financial goals. She recently saved a couple tens of thousands of dollars because she took the time to ask about their retirement plans, and then structured a re-fi and purchase that took full advantage of the tax benefits of appropriately defining their primary residence and income property. INTEGRITY AND SERVICE She believes the reason she is so successful in the referral-based business of real estate loans is because she holds herself to the highest standards of integrity and service. She does what’s best for her clients; she tells the truth even when it’s hard to hear, and she goes the extra mile—communicating regularly with all parties so clients get what they need and feel comfortable throughout the process. PROFESSIONAL NETWORK Because of Ginny’s work ethic, she has built an expansive professional network. She receives referrals from Realtors, appraisers, escrow officers and former clients—her business is 100% referral-based. She says, “A home is the largest purchase most people make in their lives, so I want to make sure we do it the right way. I absolutely love getting buyers into their dream homes.” When she isn’t busy helping clients, she spends her time glamping (glamour camping) or paddle boarding across Blue Lakes.