About Rick Kirschenbaum

I am an expert loan officer, specializing in customer service, mortgage knowledge, and achieving the best possible rate. I have a deep passion for mortgage lending (close to 23 yrs.) I love helping clients giving them a mortgage that is very competitive in interest rates. Most of my clients tell me after there search for a better ininterest rate, they decided to work with me because my interest was lower. .25%-.5% can make the difference in a lower rate and possibly with a loan approval.

I have been in lending since 2002. Our partners during the process are very important. Keeping in touch with the realtors when needed and title company, facilitates an excellent process for all people involved. Here are some goals that I strive for in every loan origination.

1) closing loans in 12-22 days

2) Obtaining excellent interest rates.  

3) Making sure the client does not get stressed in the mortgage jungle

4) On purchases, making sure the realtor has all information that they feel is necessary for confidence.

5) Communicate, Communicate, Communicate with the borrower and we always answer our phone.

In reality, I am seriously in the people business.  I strive for the highest level of quality not only in the loan but also with all people involved.  Realtors, title, appraiser, clients, etc.   If we work as a team and stay positive, cheerful, confident, and complete our work as promised,  the client and the realtor will achieve the goals desired.

Clients that are self employed, understand that your in good hands when working with my team and I.

I have completed loans for very complicated tax returns for self employment borrowers. Super tough and complicated tax returns may take us 2-3 days to know your true income NOT two or three weeks!!!

Tough self employed loans are not a problem.  However since lending is complicated, if you are self employed, do not try to figure out if you will be approved or not. We can approve loans that many banks and credit union will not approve.  Leave that to us. 

In closing, we are not a bank or credit union that works in a more narrow box of lending.  We are mortgage brokers that have many resources that are outside of the normal box of lending.

Education:

Shaker Hts High School 1972  Shaker Hts, Ohio
University of Utah/graduate 1977  Salt Lake City, Utah

Employment:

Fleet-Foot Inc 1978-2002 President