Get to know Richard
Richard Baumgardt - CEO, Climb Mortgage Professional mortgage banker since 2003, specializing in FHA, VA, Conventional, NON-QM, DSCR (nationwide), Commercial loans, and Cash-Out Refis. Former branch manager at Peoples Bank, Eagle Bank, and First National Bank of Layton. Closed $100M+ in VA loans in 2022 with Rocket Mortgage. Licensed in Colorado, Florida, and Texas. Dedicated to helping families, investors, and veterans achieve their homeownership and financial goals with tailored solutions.
Why choose Richard?
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Questions? Richard has answers.
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I connect with clients through referrals from real estate agents, online platforms, community events, and veteran organizations. I offer personalized consultations via phone, video, or in-person.
Clients can expect clear communication, personalized loan solutions, and guidance through every step—from pre-qualification to closing. I'm committed to making the process smooth and stress-free.
I encourage it! Early conversations help clients understand their options, improve their financial position, and be ready when the right opportunity comes. It's never too early to start planning.
Fees vary by loan type and lender. I work with multiple lenders to find competitive rates and minimize costs. I provide full transparency with detailed loan estimates upfront—no surprises.
I'm licensed in Colorado, Florida, and Texas, and offer DSCR loans nationwide. I handle out-of-state purchases seamlessly through virtual consultations, digital documentation, and local partnerships.