About Rich Bolt
FL - LO94262, NJ - Licensed, GA - 222703, PA - 122241 Rich Bolt has been in the mortgage business long enough to have helped people buy their first homes and then turn around and help their children do the same thing. That kind of generational trust is not something you manufacture. You earn it, one transaction at a time, over years of showing up the way you said you would. Based in New Jersey, where he has built deep roots with clients and referral partners alike, Rich is also licensed in Florida and Georgia with plans to keep expanding. He works with first-time homebuyers, move-up buyers, retirees, and homeowners looking to refinance, and he has a particular appreciation for the Realtor relationships that make a transaction go smoothly for everyone involved. A significant portion of his business comes from repeat clients and referrals, which tells you everything you need to know about the experience of working with him. He has been recognized twelve times as a Five Star Mortgage Professional, one of the more meaningful distinctions in this industry because it is driven by client feedback. Twelve times is not a coincidence. What his clients will tell you is that Rich is responsive, honest, and patient. He takes the time to explain things clearly, keeps everyone informed throughout the process, and stays accessible in a way that is rarer than it should be. He believes communication is what separates a good experience from a stressful one, and he treats every closing as the beginning of a relationship rather than the end of a transaction. Outside of work, Rich is devoted to his family, which includes his wife, their children, her older children, and their granddaughters. He is also passionate about animals and has fostered close to 200 cats and kittens over the years through local rescue organizations, and has recently added dogs to the mix. And then there is the streak. Since December 1, 2016, Rich has walked at least 10,000 steps every single day without exception. It started with his oldest dog Rudy, who inspired the habit when he was just a pup. Rudy has slowed down a little over the years, but his younger sisters have gladly picked up the slack. Some people set goals. Rich just keeps walking.
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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc. 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 Home Mortgage, a division of Guaranteed Rate, Inc.. Citywide Home Mortgage, a division of Guaranteed Rate, Inc. 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 16 W. Front Street, Red Bank NJ, 07701