The right loan, closed by someone you can call.
Conventional, FHA, VA, fix & flip, hard money, and reverse mortgages — matched to your goals across California by Richard dp Constantine.
What to expect
A newer name, held to an old-school standard.
A real person answers
You work directly with Richard — not a call center. Same face, start to funding.
Straight timelines
Clear expectations on rate locks, docs, and closing dates. No surprises at the table.
Honest options only
If a program isn't right for you, I'll tell you — even if it means less for me.
Loan programs
Every loan I write, in one place.
Currently lending across California. Not sure which fits? Send me your scenario and I'll point you at the right one.
Purchase & refinance financing
Conventional, FHA, and VA loans structured for California buyers, homeowners, and veterans — with rates and terms I explain in plain English.
- First-time buyer guidance
- Rate & term refinance
- Cash-out options
- Zero-down VA loans
Fix & Flip
Short-term rehab capital structured around your project timeline and exit.
Hard Money
Fast, asset-based lending when speed and flexibility matter more than paperwork.
Reverse
Turn home equity into retirement cash flow for California homeowners 62+.
Conventional
Competitive fixed and adjustable-rate financing for qualified buyers and refinances.
FHA
Lower down payments and flexible credit guidelines for first-time and returning buyers.
VA
Zero-down, no-PMI loans honoring the service of California veterans and active duty.
Book a session
Consultations & strategy calls
Reserve time to review your numbers, get pre-qualified, or map out a loan strategy.
Let's find your loan.
Tell me about your property or goal and I'll come back with real options — no pressure, no obligation.