PALM DESERT

    Your home journey,
    guided by people who care

    Personalized mortgage guidance backed by institutional-grade technology. Every detail handled. Every option explored. Every closing on time.

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    NMLS #2373418+ Years ExperienceLicensed Nationwide
    55+
    Loans Closed
    8+
    Years in Business
    4.8
    Average Client Rating
    Our Team

    Meet the experts

    Our experienced mortgage professionals are here to guide you home.

    Richard Fitzpatrick

    Branch Manager · National Reverse Mortgage Manager, CRMP

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    Loan Programs

    Every option. Your best fit.

    ◆
    Conventional
    Traditional financing with competitive rates. As little as 3% down for qualified buyers. Conforming and jumbo options available.
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    FHA
    Government-backed loans with flexible credit requirements. 3.5% down payment. Ideal for first-time homebuyers building their foundation.
    ◆
    VA
    Zero down payment for eligible veterans and active military. No monthly mortgage insurance. The benefit you've earned.
    ◆
    Jumbo
    High-balance loans for premium properties. Competitive rates on loan amounts above conforming limits. Tailored structuring.
    ◆
    Renovation
    Finance the purchase and renovation in a single loan. FHA 203(k) and conventional options. Turn potential into your perfect home.
    ◆
    Non-QM
    Bank statement, DSCR, and asset-based programs for self-employed borrowers and investors. Creative solutions for complex scenarios.
    Available 24/7

    Meet Sophia,
    your mortgage guide

    Get instant answers, explore loan options, estimate payments, and start your pre-approval — any time, day or night. Sophia is backed by our team's expertise and AFN's full lending platform. When you're ready, a loan officer steps in personally.

    →
    Estimate monthly payments based on your actual scenario
    →
    Explore loan programs matched to your situation
    →
    Get pre-approved without waiting for a callback
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    Check local market conditions and neighborhood data
    S
    Sophia
    Backed by American Financial Network · NMLS #237341
    Hi, I'm Sophia — your branch's mortgage assistant. I can help you explore options, estimate payments, or get pre-approved. What's on your mind?
    What can I afford on $120K income?
    Based on $120K annual income, you could qualify for roughly $480K–$540K depending on debts, down payment, and rate. Want me to run a detailed scenario?
    Client Experiences

    Trusted by 35 families & counting

    ★★★★★4.835 verified reviews
    "
    So many conditions from underwriting, which is no reflection on Richard
    Susan E.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    July 2021
    "
    Richard was supportive during the process and always responsive. I greatly appreciated all of his help and expertise.
    Debra M.
    Livermore, CA · via Richard Francis Fitzpatrick
    March 2021
    "
    Richard was prompt and complete responding to questions.
    Timothy J.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    December 2020
    “
    Richard is knowledgeable and timely in responding to his clients.
    Loretta S.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    December 2020
    “
    Richard is thorough from the very beginning and his communication is Perfect! I knew exactly what information I needed to get to him from the first day. Richard is very personable and was a pleasure with which to work.
    Bonnie H.
    Indio, CA · via Richard Francis Fitzpatrick
    October 2020
    “
    Was a pleasure working with Richard. Quick successful transaction.
    Reginald E.
    Eagle River, AK · via Richard Francis Fitzpatrick
    August 2020
    “
    The personal attention and professionalism from Richard is outstanding. He persevered through a challenging escrow between California and Washington to complete the refinance of our home in Washington. He consistently had our best interest in mind. We were very happy with his expertise, follow-up and focus on our transaction from the beginning to the successful end. This is our second loan with Richard, and I would highly recommend him to anyone wishing to finance a loan for their home.
    Jean E.
    Langley, WA · via Richard Francis Fitzpatrick
    May 2020
    “
    The personal attention and professionalism from Richard is outstanding. He persevered through a challenging escrow between California and Washington to complete the refinance of our home in Washington. He consistently had our best interest in mind. We were very happy with his expertise, follow-up and focus on our transaction from the beginning to the successful end. This is our second loan with Richard, and I would highly recommend him to anyone wishing to finance a loan for their home.
    Zuser201707301428119
    Langley, WA · via Richard Francis Fitzpatrick
    May 2020
    “
    Richard was great in explaining everything in easier to understand info
    Coral M.
    Indio, CA · via Richard Francis Fitzpatrick
    March 2020
    “
    This was a great experience for my customer who had her present home in escrow and was buying her replacement home. Richard quailed her quickly and moved her loan through the process with no surprises or delays. We had time to spare as it turned out and all that during a global pandemic! Kudos to Richard Fitzpatrick and his team!
    BONNIE S.
    Indio, CA · via Richard Francis Fitzpatrick
    March 2020
    “
    Great personalized service. He kept us informed and ahead of the curve while keeping the experience fun. Thanks again Richard. This was our second time using your services and we are looking foreword to using you again on our next one. Regards. Mark and Tracie Bayne.
    Mark J.
    Indio, CA · via Richard Francis Fitzpatrick
    January 2020
    “
    Richard is a true professional in his field. He and his staff go over and above to make your mortgage experience as fun and painless as possible. We have utilized Richard and his staff before and will definitely be doing future business with them as well.
    Tracie J.
    Indio, CA · via Richard Francis Fitzpatrick
    January 2020
    “
    Personal service and great availability. Thank you
    Linda L.
    Indio, CA · via Richard Francis Fitzpatrick
    December 2019
    “
    Richard is very personable, treating clients with respect. His communication was excellent to me, escrow and our clients! Thank you Richard for a job well done!
    Bonnie J.
    Indio, CA · via Richard Francis Fitzpatrick
    December 2019
    “
    Our Realtor recommended Richard. Best move we could have made. He walked us through the whole the mortgage process from beginning to the final signing. Their online service was great. Thank you Richard, nice to find a new friend.
    Dale W.
    Indio, CA · via Richard Francis Fitzpatrick
    July 2019
    “
    Richard communicated with us constantly in regard to the loan process and was extremely helpful. We would definitely recommend him to anyone seeking a refinance or purchase loan.
    Michael A.
    via Richard Francis Fitzpatrick
    July 2019
    “
    Richard is great with following all steps in the process and on top of every aspect of the loan. He is very professional !
    Vaughn T.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    June 2019
    “
    Richard Fitzpatrick is very knowledgeable and profesional in his field. I bought my house from out of town and he made it extremely easy to understand every step of way. It was overall a great experience. I would highly recommend him to all my friends and family. I will use him again if needed. Thank you, Tracie
    Tracie J.
    Indio, CA · via Richard Francis Fitzpatrick
    May 2019
    “
    The home buying process in California is a challenge of patience in general, and information needed to complete our loan seemed tedious at times, but Richard was always quick to thoroughly answer any email questions, or follow up with a phone call when needed. He even made a stop at our home to go over some of the more complicated items on our punch list. I would recommend him to everyone!
    Keith W.
    Indio, CA · via Richard Francis Fitzpatrick
    May 2019
    “
    Richard is extremely knowledgeable about all the financing options. He and his staff are very professional and easy to communicate with. We did ask him about closing within 30 days, he secured us an excellent interest rate and was done in 28 days. Richard and his team are awesome.
    Eric J.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    September 2018
    “
    Richard answered all our questions and helped us through the process so we had a very smooth and pleasant experience.
    Sharon L.
    Indio, CA · via Richard Francis Fitzpatrick
    August 2018
    “
    When I first started shopping around for a home loan, I found Richard to be informative, knowledgeable and very positive about securing a loan. I particularly appreciated that my calls and emails were always promptly returned and any matter raised was addressed. Once we found a house, Richard and his team worked diligently to ensure a successful outcome and consequently Escrow closed in just 20 days!
    Leon P S.
    Indio, CA · via Richard Francis Fitzpatrick
    April 2018
    “
    Richard worked really hard to make our loan happen.
    Michael R.
    Palm Desert, CA · via Richard Francis Fitzpatrick
    September 2017
    “
    The personal relationship along with with prompt turn-around of the necessary documents.
    Robert C G.
    Indio, CA · via Richard Francis Fitzpatrick
    July 2017
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    Our Branch

    Palm Desert

    American Financial Network · NMLS #237341

    Address
    10 Pointe Drive, Suite 330
    Brea, CA 92821
    Office Hours
    Mon – Fri: 9:00 AM – 5:00 PM
    Sat: By Appointment
    Sun: Closed
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