Richard Bennett Tocado
Get to know me
For more than 20 years, Richard Tocado has helped thousands of homeowners across the Carolinas secure the right financing to achieve their goals. Whether it’s buying a first home or using a cash-out refinance to pay off debt, cover college tuition, or make home improvements, Richard has built a reputation as the go-to mortgage expert who delivers real solutions quickly. Richard is well known for his radio presence in Charlotte, where his straightforward advice has guided families.
My experience
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What you can expect from me.
Find answers to my most-asked questions, covering everything from how I'll support you to what you need to start the process.
I connect with clients in the way that works best for them — whether that’s over the phone or in person. Some clients prefer a quick call to get answers right away, while others like to sit down.
I can connect you with trusted real estate agents, home service providers, and financial partners to make buying or refinancing your home simple and stress-free.
Clear communication, fast approvals, and personal guidance from application to closing—making buying or refinancing your home smooth, simple, and stress-free.
Pay stubs, W-2s or tax returns, bank statements, and ID. These basics get us started on your home purchase or cash-out refinance.
I offer some of the lowest lender costs in the area, with straightforward fees and no hidden surprises—keeping more money in your pocket at closing.