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Richard Winters II, America's Home Loan Originator - NMLS 382836

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United States
Beavercreek, OH
Richard Winters II, America's Home Loan Originator - NMLS 382836

PrimeLending is a national mortgage lender that is committed to making the home loan process simple, clear and timely.

I represent the third generation of real estate professionals in my family. Clients benefit from my experience in both real estate sales (1990-1993) and mortgage lending (1993-present). Few mortgage professionals can match the depth of my experience and knowledge in this profession. PrimeLending understands that buying a home is about laying down your roots and finding a place that makes you feel

at home. We are here to help you accomplish your dreams of home ownership and give you the personal attention and service you deserve. Ranked No. 4 nationally for purchase units in 2012 and 2013*, PrimeLending provides a wide array of loan products, including fixed and adjustable rate mortgages, FHA and VA loans, jumbo loans, refinancing options, renovation loans and relocation programs. We offer dependable service and stability coupled with speed and agility. Our exceptional customer service is powered by accelerated closing times. Our core purpose is working together to have a profound and positive impact on the lives of all we serve. At PrimeLending, you’re always close to home.

*As listed by Marketrac® for purchase units for calendar years 2012 and 2013. www.PrimeLending.com

In accordance with Section 326 of the USA PATRIOT ACT of 2001, PrimeLending is required to obtain a copy of the documents used in identifying our new account customers. The views expressed on this site are those of the individual author and do not necessarily represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries. https://www.primelending.com/legal-disclosures/index

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www.PrimeLending.com
www.twitter.com/PrimeLending
http://gplus.to/PrimeLending
PrimeLending NMLS ID: 13649
www.primelending.com/legal
http://www.linkedin.com/company/primelending

03/05/2026

Every summer it’s the same thing. People find a house they love…then scramble to figure out the financing. By that point, it’s stressful. Decisions feel rushed. And in a competitive market, hesitation costs you. The buyers who start in the spring have a totally different experience. They already know what they’re comfortable spending. Their paperwork is ready. When the right house pops up, they’re not panicking, they’re prepared.
If a summer move is in the back of your mind, spring is the time to get organized. Send me a DM and I can run the numbers to see what you could afford this summer.

03/03/2026

Somewhere along the way, people started believing that buying a home means giving up everything fun in the process. It doesn’t. You don’t have to cancel every trip, skip every dinner out, or press pause on the things that make life feel good just to afford a down payment. Homeownership is about adding to your life, not putting it on hold to make it happen. Want to see what could fit into your budget? Let me run the numbers for you.

03/02/2026

Does your loan still make sense for where you are now? If you bought when rates were higher, or before your home gained value, there’s a chance your loan could be working harder than it needs to. Refinancing can lower your payment, cut down the interest you’ll pay overtime, or help you drop mortgage insurance if you’ve built enough equity. Want to know what a refi could look like with your numbers? Give me a call and I can run a mortgage checkup.

10/16/2025

The myth that you need to be debt-free before buying a home is enough to give anyone the chills.
Here’s the truth: most buyers have some debt, and that doesn’t automatically keep you from qualifying. What really matters is how your overall finances stack up.
And because no two buyers are the same, I have access to more than 400 loan options. That means more flexibility to match you with a program that works for your situation, instead of forcing you into a one-size-fits-all approach.
Don’t let old myths spook you out of house hunting. Contact me today to uncover the loan options that could bring your home goals to life.

10/15/2025

Life changes fast — and sometimes your home can’t keep up.
If your family is growing, toys are spilling into every corner, or you’ve simply outgrown the space you once thought was enough, it may be time to think bigger. Upsizing gives you room to spread out, create balance, and enjoy a home that fits the way you live today.
Moving into a larger space isn’t just about extra square footage. It’s about comfort, functionality, and making sure your home supports every stage of life.
If your current place feels a little too tight, let’s talk about how you can take the next step toward a home that truly fits.
DM me to get started.

10/13/2025

A little preparation goes a long way when you’re buying your first home. Before you start touring, here are five smart questions to ask yourself:
• How much can I comfortably afford each month?
• What funds do I have for a down payment and closing costs?
• How strong is my credit and do I know my score?
• What loan programs might fit my situation?
• Am I pre-approved* so I can make an offer with confidence?
Asking these upfront can save time, reduce stress, and put you in a stronger position when the right home comes along.
Start your home search on solid ground. Connect with me today and I’ll help you answer these key questions so you can move forward with confidence.
*Pre-approval means credit has been pulled and an AUS has returned eligible. A pre-approval does not signify that underwriting requirements have been met. All loans subject to final credit approval and acceptable property. Conditions and restrictions may apply.

09/19/2025

Your home could be holding the key to your next big goal. With a cash-out refinance*, you can tap into the equity you’ve built and turn it into cash you can use now.
Here’s how it works: you replace your current mortgage with a new one for more than you owe, and you pocket the difference. That extra cash comes from your equity and can help you:
• Tackle home projects that make your space more functional and enjoyable
• Consolidate high-interest debt into one manageable payment
• Cover big-ticket expenses like tuition or medical bills without juggling multiple loans
It’s one way to make your home work harder for you while keeping everything under one mortgage payment.
Let’s talk about your options and see how much equity you could unlock this fall.
*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

09/16/2025

Sometimes all it takes is the right update to make your home feel completely new again. Think brighter, more open spaces, a kitchen that’s ready for holiday baking, or a bathroom that feels like a retreat. A renovation loan can help you bring those ideas to life now, so you can start enjoying them sooner while keeping your savings right where they are.
Benefits of a renovation loan:
• Roll the cost of updates into your mortgage for one convenient payment
• Start your projects now instead of waiting years to save up
• Increase your home’s comfort, functionality, and potential value
Let’s turn your home upgrade ideas into a plan you can start right away. Send me a message and we’ll make it happen.

09/15/2025

Pumpkin spice season has arrived like clockwork and now is as good a time as any to talk about something just as reliable — home equity.
A home equity loan* lets you tap into the value you’ve built in your home and put it to work. You get the funds in one lump sum, pay it back at a fixed rate, and can use it for just about anything — upgrading your kitchen, consolidating debt, covering tuition, or even tackling that dream project you’ve been putting off.
The amount you can borrow depends on your home’s value, how much you still owe, and your overall financial picture. It’s a powerful tool when used wisely and can help you reach big goals faster.
So while you’re enjoying that pumpkin spice, think about the equity you’ve been brewing in your home — and how it could be working for you.
Let’s connect to talk about your options and find out how much equity you could put to work this season.
*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

09/04/2025

Imagine hosting your first holiday gathering in a home that’s truly yours. Pumpkin pies in the oven, football on the TV, and friends or family filling the space with laughter. Buying your first home before the holidays means creating a place for traditions, memories, and milestones.

From figuring out your budget to getting qualified* to finding the right place, starting now means you’ll have time to close and settle in before the holiday season is in full swing.

DM me to start your application and be one step closer to making it happen this year.

*All loans subject to credit approval. A qualification is not an approval of credit, and does not signify that underwriting requirements have been met. Conditions and restrictions may apply.

09/02/2025

The ‘ber months are here and that chill in the air makes it a great time to get your home ready for fall.

Switch out the lightweight summer accents for heavier throws and textured pillows, bring in warm lighting for earlier evenings, and add rich fall colors to your décor. A few small updates — like a seasonal wreath, fresh candles, or a reading spot by the window — can make your space feel ready for fall gatherings and relaxed nights at home.

If you’re thinking about making a move before the holidays or finding a space that fits your lifestyle better, I can help you make it happen before the first frost. DM me to learn how.

09/01/2025

Happy Labor Day! Today we celebrate the hard work and achievements that help keep our communities moving forward. Whether you’re enjoying a well-earned day off, spending time with friends and family, or getting out for some end-of-summer fun, here’s to you and the work you do all year long.

Address

4407 Walnut Street , Suite 210
Beavercreek, OH
45440

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+19375456300

Website

http://www.AmericasHomeLoanExpert.com/

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