About Kris Richard
IA - 52290, ID - MLO-2081401375, WI - 1401375, MN - MN-MLO-1401375, SD - 1401375.MLO Honestly, my years of experience and my knowledge of the market are only part of the equation. For me, it is just as important to get to know you and your family and what loan options fit your needs. Putting my expertise and experience will help establish what your best loan options are for now and in the future. Building personal relationships with my clients is what has led to my longevity in this business, and the reputation I've been fortunate to build as a trusted lender. Referrals are a main source of my business which is why I have survived the ups and downs of this industry. I am passionate about my job. I love helping my clients and their families find the loan to get them into their perfect home. It doesn't matter to me whether you are obtaining a $100,000 or $1,000,000 loan, my team will treat you exactly the same. No matter your budget, I understand the huge personal, financial and emotional commitment involved when purchasing a home. That's why I promise to put my full expertise at your service, look at all loan options and make the experience as worry-free as possible, so you can start the next chapter of your life feeling confident rather than looking back with any regrets! From first time buyers to multi-investors I have many programs that can are unique giving you more options to better fit you needs. In the industry for 23+ years, from title, real estate and mortgage makes me well rounded in the whole overall process. I am able to provide solid mortgage advice and get you the best financing that fits your needs. Some of my specialty loan programs are: White coat loans (doctor loan programs), first time home buyer, down payment assistance programs, ITIN, Bank statement, new construction and many unique situation loans. Let's talk!
We can make it happen!
Down payment assistance
Overcoming the obstacle of a down payment is possible with grants and programs available from federal and local governments for homeownership.
Low down payment loans
As the initial home investment, we offer VA loans, FHA loans, and USDA loans which have 0-10% down payment requirements.
Veteran loans
Military service members and their families are in the unique position to build equity through real estate at a lower cost than typical homebuyers.
Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Jumbo loans
You may consider this type if you plan to purchase a larger property or luxury home in high-end real estate markets.
Accelerated timelines
Our Same-Day program facilitates you to get your loan approved in one day with options as little as 3% down.
Physician loans
Physician homes loan, can be an affordable option for medical professionals. Our program includes paid mortgage insurance and as little as 5% down.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
Mortgage Calculator
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*This is not a commitment to lend. Consumers are advised to obtain a Loan Estimate. Rates are subject to change and are dependent on credit and underwriting criteria.
Your actual rate, payment and costs could be higher. Citywide cannot predict where rates will be in the future. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard. Applicant subject to credit and underwriting approval. Not all applicants will be approved for financing. Receipt of application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, contact Citywide for current rates and for more information. All information provided in this publication is for informational and educational purposes only, and in no way is any of the content contained herein to be construed as financial, investment,or legal advice or instruction. Citywide does not guarantee the quality, accuracy, completeness or timelines of the information in this publication. While efforts are made to verify the information provided, the information should not be assumed to be error free. Some information in the publication may have been provided by third parties and has not necessarily been verified by Citywide. Citywide its affiliates and subsidiaries do not assume any liability for the information contained herein, be it direct, indirect, consequential, special, or exemplary, or other damages whatsoever and howsoever caused, arising out of or in connection with the use of this publication or in reliance on the information, including any personal or pecuniary loss, whether the action is in contract, tort (including negligence) or other tortious action. Sample rate provided for illustration purposes only and is not intended to provide mortgage or other financial advice specific to the circumstances of any individual and should not be relied upon in that regard.
Located at 1048 N Main St., River Falls WI, 54022