Hi, I'm Rich.
I've spent more than two decades helping people in the DC area buy and refinance homes. My job is to make a confusing process clear, and to give you a straight answer, even when it's "you don't need me."
How I work
I'm a co-founder of The Loan Advisors, LLC, an independent mortgage company. Being independent means I'm not limited to one bank's loans. I can compare offers from many lenders and pick the one that fits your situation, whether you're a first-time buyer, a veteran using your VA benefit, or an investor buying a rental.
I'm licensed in Washington DC, Maryland, and Virginia, and my office is in Gaithersburg, Maryland. Most of my clients never need to visit. We handle everything by phone, email, or video, and I'm happy to meet in person by appointment.
What I care about most is that you understand your loan before you sign. That means showing you the real monthly cost (not just principal and interest), explaining what each fee is for, and telling you if a different option, or a different lender, would serve you better.
What to have ready for our first call
You don't need everything. These just help me give you useful answers faster:
- Whether the home will be your primary residence, a second home, or a rental
- How you are paid: salary, self-employed, commission, or rental income
- The type of property: single-family, townhouse, or condo
- Any Loan Estimate you already have from another lender
- If you are under contract, your inspection, appraisal, and financing deadlines
Please don't email your Social Security number or account numbers. Those go through the secure online application once you're ready.
The details
- Company
- The Loan Advisors, LLC
- My NMLS
- #1132902
- Company NMLS
- #2519128
- Licensed in
- Washington DC, Maryland, and Virginia
- Office
- 9711 Washingtonian Blvd, Suite 550, Gaithersburg, MD 20878
Common questions
Are you a bank?
No. I am an independent mortgage broker. Loans are made through The Loan Advisors, LLC, which lets me compare offers from many lenders instead of just one.
Can I keep my real estate agent?
Of course. I work alongside your agent, the title company, and anyone else on your team. I don’t need to be the one who found you the house.
Should I just use my bank instead?
Sometimes that’s the right move. If your bank has given you a clear, competitive offer on a straightforward purchase, stay with them. A broker helps most when your situation is less standard, like self-employment, a condo, or a higher-priced home.
How do I check your license?
My NMLS number is 1132902, and The Loan Advisors, LLC is NMLS 2519128. You can look up both for free on NMLS Consumer Access.
Have a question about your situation?
Call and you'll talk to me directly. A first conversation is free, and no credit check is needed.