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About Me

Loan Officer · NMLS 248813
My name is Richard Fitzpatrick and I have worked in the home mortgage business for over 30 years. During that time I have helped over a thousand people qualify for their first home to their dream home. I specialize in VA, FHA, Conventional and Reverse loans. During the past 12 years I have also specialized in Reverse Mortgages helping those people over the age of 62 with their individual needs when it involves a Home Equity Conversion Mortgage (HECM). I earned a designation as Certified Reverse Mortgage Specialist (CRMP). As a CRMP I am well qualified to help seniors over the age of 62 find out about the merits of a reverse mortgage. I have found that reverse mortgages are not for everyone but for those in need of a reverse mortgage it is a new lease on life. I recommend learning as much about how a reverse mortgage works to discover if it is right for you.I have been married for over 40 years, have two sons and one grandson. I have lived in southern California all my life and graduated from San Diego State University If you would like to determine what type of loan is best for you please contact me to set up a no obligation meeting to answer all your questions.Sincerely, Richard Fitzpatrick

My Location

Palm Desert 77-564A Country Club Drive Suite 135, Palm Desert, CA 92211

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Richard Fitzpatrick's
OVERALL RATING

4.9/5.0   Total 37 reviews

  • "Richard was..."

    Richard was supportive during the process and always responsive. I greatly appreciated all of his help and expertise.

    Debra

  • "Richard is..."

    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

  • "The personal..."

    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

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Sustainable Home Ideas

Apr 14, 2022

April 22nd is Earth Day, but you can make your home sustainable 24/7, 365. We’ve included some ideas on making your home a little more eco-friendly. Use low energy consumption appliances. Sustainable house design is also about filling your home with appliances that consume lower energy. It is better for the environment, but it will also significantly reduce your energy bills, or let you run your home on renewable energy. At a minimum, look for Energy Star-rated appliances – this should cover everything from computers and TVs to kitchen appliances and water heaters. Switch to LED LED lighting is also much more energy-efficient and lasts much longer. Even though it requires a larger upfront investment, this pays itself off over time because you won’t need to change your LED light bulbs for years! Another fun bonus to LED lighting is that many bulbs are paired with innovative home technology; you can pair them with Alex or Google home devices or even change the color of your lighting with your phone. Incorporate smart home technology Along with low energy consumption appliances, using smart home technology can also help to make your home more eco-friendly. For example, smart home systems have features such as automated lighting, temperature, and security controls which allow you to make your energy use as efficient as possible. Most smart home systems also allow you to monitor the amount of energy you use, helping you to live more efficiently and use less electricity. Try an eco-friendly lawn alternative. Grass may be a popular lawn option, but it is also water-intensive, challenging to maintain, and can cause allergies. There are plenty of grass alternatives that are not only better for the environment and your health, but many need little to no maintenance.

Sprucing up for Spring

Mar 03, 2022

Whether you’re getting your home ready to sell or you just want to tackle some basic spring cleaning, these tips will energize your home for warmer weather. 1) Wash Windows and Freshen Window Treatments Windows often take the brunt of winter weather, keeping out cold winds and catching winter dust, dirt, and even salt from the roads. Your first step in spring cleaning should be to wash the inside and outside of your windows. You’ll be amazed at how much more light can enter a space when the windows are clean! 2) Clear Your Gutters’ Downspouts Dirty gutters are an eyesore and a liability not only for you but for potential buyers, as well. Cleaning your gutters will take roughly 15-30 minutes, but will save you money in the long run. You can avoid flooding during spring rains by clearing gutters of all rubbish using a ladder, a small hand rake, and a hose. 3) De-Clutter for Spring! Spring is the perfect time to pare down the clutter that’s been accumulating in your home. Before you get started, make a room-by-room plan so that you don’t feel overwhelmed by the prospect of de-cluttering your entire home—know that you don’t need to do everything in one day or even in one weekend. 4) Repair Windows and Screens Replace damaged and warped screens so that you can enjoy warm spring breezes without being bothered by bugs and other critters. If you had a particularly rough winter, you’ll want to recaulk windows and inspect them for water damage and rot.

What Are Construction Loans?

Feb 04, 2022

What Are Construction Loans? If you cannot find the right home to buy, you might be thinking about how much it will cost to build a new house or renovate the one you currently call home. The process of borrowing the money to pay for this project is different from getting a mortgage to move into an existing property. A construction loan is a short-term loan that covers only the costs of custom home building. This is different from a mortgage, and it is considered specialty financing. Once the home is built, the prospective occupant must apply for a mortgage to pay for the completed home. Construction loans typically are one year in duration. During this time, the property must be built, and a certificate of occupancy should be issued. Some things to consider: - Check your credit score first - Ask for a reputable builder - Depending on the loan type, consider what down payment you may need. At American Financial Network, we offer multiple types of Construction Loans, including FHA, Renovation, and USDA. If you decide to go with a construction loan, make sure to reach out to one of our Loan Officers to learn more and decide what is best for you. American Financial Network, Inc. is not acting on behalf of or at the direction of the federal government, and this offer is not being made by an agency of the government. Programs not available in all areas. Additional terms and conditions may apply.