Richard Nelson at Rate, NMLS 1557786

Richard Nelson at Rate, NMLS 1557786 I am a VP of Mortgage Lending NMLS 155768 at Rate NMLS 2611. Providing the best experience and results for decades...

Started in the Mortgage Industry in 1984 and still enjoy helping buyers make their dreams come true!

09/08/2026

With Forward Commitments and DSCR, you can lock in pricing for your investor buyers and let their rental income do the qualifying. It's a faster path from contract to close, and a real edge over builders who can't offer it.

Ready to protect your pipeline? Let's connect.
https://myoc.io/cd1KAtSi71Y/sv4mp



NMLS # 1557786

09/07/2026

The small moments at home are often the ones we remember for a lifetime. However you’re enjoying Labor Day, I hope it’s filled with loved ones, laughter and great food.

How’re you celebrating today?
https://myoc.io/cd1KAtSi71Y



NMLS # 1557786

09/03/2026

Before you start browsing for homes, one of the smartest things you can do is scope out your mortgage options. Knowing what types of loans you qualify for will help you target your search and negotiate with sellers. That’s where pre-qualification and pre-approval come in. While pre-qualification doesn’t include a deep dive into your financial history, pre-approval does, giving you a more accurate view of your options.

Let’s break down the differences together.
https://myoc.io/cd1KAtSi71Y/PcyBc



NMLS # 1557786

09/01/2026

When it comes to finding a home, every generation looks for something different. Which group do you align with? Take the quiz to find out which generation’s house hunting style matches yours. You might be surprised!

Comment your results below.
https://myoc.io/cd1KAtSi71Y/TlnFW



NMLS # 1557786

08/31/2026

A home is not just where you live. It is where you gather the people who matter and make the nights worth remembering. When the space is yours, every plan gets a little easier to say yes to.

Let me know in the comments which event would come first on your calendar. And when you're ready to start your homeownership journey, I'd be happy to help you explore your options.
https://myoc.io/cd1KAtSi71Y/odPeR



NMLS # 1557786

08/27/2026

When your tax return doesn’t capture your full financial picture, it’s time to use your assets. Bank accounts, retirement accounts, investment portfolios, stocks, crypto and bonds could offer you loan amounts up to $5M, without a W-2.

I could qualify you for a mortgage using the wealth you’ve been building. Get in touch today and find out which doors your finances could open.
https://myoc.io/cd1KAtSi71Y/IeLSj



NMLS # 1557786

08/25/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why. Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.
https://myoc.io/cd1KAtSi71Y/HLJmR



NMLS # 1557786

08/24/2026

You've spent years building equity in your home. The question a lot of homeowners ask next is what they can actually do with it. A HELOC is one option that may let eligible homeowners access a portion of that equity, up to an approved limit, for things like home improvements or other financial goals.

If you're wondering how your equity fits your bigger picture, let's talk it through.
https://myoc.io/cd1KAtSi71Y/jhuHD



NMLS # 1557786

08/20/2026

Refinancing isn't a now-or-never decision, it's a when-it-fits one. As your goals shift and life changes, it can be worth a fresh look at whether your current mortgage still matches where you are headed. No pressure and no rush, just a conversation when you are ready.

Save this for when the timing feels right, and reach out anytime you want to talk it through.
https://myoc.io/cd1KAtSi71Y/r06J3



NMLS # 1557786

08/19/2026

Renting can be the right fit for a season. But when your goals start changing, it may be time to understand what ownership could make possible.

I can help you compare the numbers and plan for what comes next.
https://myoc.io/cd1KAtSi71Y/JPKyj



NMLS # 1557786

Address

4115 Blackhawk Plaza Circle, Suite 100, Office 7
Danville, CA
94506

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