I’m Rich Bonn, and I’m here to make your mortgage experience easier. Whether you’re buying a home or refinancing, I’ll help you skip the headaches, avoid the runaround, and get the loan that fits your life. Let’s make this process smooth, simple, and surprisingly painless.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Our Conventional Home Loans offer competitive interest rates and flexible terms, ideal for borrowers with solid credit histories. Designed to help you secure your dream home, these loans provide a straightforward process and diverse options. Enjoy clear guidelines and customizable financing plans that meet your needs while fostering long-term financial stability, making homeownership an accessible and rewarding achievement.
Reverse Mortgages enable senior homeowners to convert home equity into cash without monthly mortgage payments. Designed for those aged 62 and older, this product provides financial flexibility by allowing you to access funds for living expenses, healthcare, or home improvements. Enjoy non-recourse features and a repayment structure based on the sale of your home, ensuring you maintain financial security and quality of life during retirement.
You’ve probably heard the horror stories—complicated paperwork, tough approvals, endless delays, and the stress of chasing down a good rate. Here’s the good news: I’m here to take all of that off your plate. With years of experience and a no-hassle approach, I’ll help you navigate your home loan or refinance with clarity, confidence, and way less stress.
Whether you’re buying a home, refinancing for a better rate, or looking to tap into your home’s equity, I’ve got you covered. Don’t just take my word for it—check out the reviews from people just like you, and see how smooth the process can be when you’ve got the right loan officer by your side.
I look forward to working with you!
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
I get it—mortgages can be overwhelming. That’s why I keep things simple, honest, and stress-free. I’ll walk you through the process step by step, answer your questions (without the jargon), and help you secure the loan that truly fits your needs. Whether you’re buying, refinancing, or just exploring your options, I’m here to make it easier—and way less frustrating—than you expected.
Because working with someone who actually listens? That makes all the difference.
From first-time homebuyers to experienced investors, I offer a wide range of home loan and mortgage solutions tailored to fit your unique needs. With competitive rates, flexible terms, and honest, expert support, I’ll help you reach your homeownership goals—without the confusion or stress.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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