Get to know me
Richard Chin is the Vice President of West Capital Lending, and leads the Marketplace Irvine Branch. His experience in business and mortgage finance extends 23 years. Richard’s finance acumen allows him to properly navigate each lender based on his client’s individual situations. He is well known to provide his clients with customized service and an outstanding experience.
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 act as a translator. I break down the 100-step process into three clear phases. Preparation, Approval, and Closing. By providing a personalized document checklist and proactive updates to my clients
I simplify the complex. From our first strategy call to getting your mortgage, I provide clear checklists and weekly updates. I turn your application into closed loans with no stress and total clarity
I provide industry best wholesale pricing with a standard ~$1100 origination fee. Total closing costs typically range from 0-3% of the loan. I prioritize transparency and 'no-surprise' closing
Gemini said I use soft credit pulls to provide accurate quotes without a hard inquiry or any impact. We can also run "what-if" scenarios based on scores you provide to keep your credit protected
To start, all I need is your recent W2 or tax returns, 1 month paystubs, recent mortgage statement, and homeowners insurance policy. That's it, it's that simple.