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Monday 8:30am - 5pm Tuesday 8:30am - 5pm Wednesday 8:30am - 5pm Thursday 8:30am - 5pm Friday 8:30am - 5pm

Richard Strasser - NMLS #1528586 - Mortgage Loan Originator

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United States
Roseville, CA
Richard Strasser - NMLS #1528586 - Mortgage Loan Originator

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Taking time upfront to learn about your current and future financial goals is imperative to help ide As a mortgage advisor, I believe knowledge is power.

As a retired law enforcement officer I feel fortunate to have had a rewarding career serving the people of our greater Sacramento region, which I have called home for more than 27 years. My career has taught me the importance of putting others’ needs first and how to work through challenging situations. Whether you are looking to purchase your first home, an investment property, or refinance your existing mortgage, I commit to providing you the same honesty, dedication, and integrity I would expect to receive. Taking time upfront to learn about your current and future financial goals is imperative to help align you with loan options to meet them. Through clear and continuous communication, my goal is that you will always feel confident you know where we are in the loan process. Should any questions arise, you will be able to reach me through email, cell phone, text, or in person. My hope is by the end of your loan process, you will feel more than confident to refer me to your friends and family.

10/30/2026

While mortgage rates were significantly higher in the 1980s, home prices were much lower relative to household incomes. Today, buyers are dealing with a mix of higher home prices, borrowing costs, and wages that have not always kept pace.

As a result, even with lower rates compared to decades ago, the overall cost of buying a home can feel more challenging.

Affordability is influenced by far more than interest rates alone, including local market conditions, home prices, financing costs, and individual financial situations.

🌟 The focus should not be on comparing today to the past, but on understanding current opportunities and building a strategy that fits your goals. Reach out for expert guidance on navigating today’s market and exploring your options as a buyer.

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10/29/2026

The kitchen is one of the most-used spaces in a home, and the right cooktop can make a big difference. 🍳🏡

Whether you love to cook every night or simply want a space that's easy to maintain, your preference says a lot about how you use your home.

🔥 Gas cooktops are known for precise temperature control, instant heat adjustments, and a cooking experience many home chefs prefer.
⚡ Induction cooktops offer fast heating, impressive energy efficiency, and a sleek, easy-to-clean surface that complements a modern kitchen.

It all comes down to your lifestyle, cooking habits, and what feels right for your home. If you had to choose, would you go with gas or induction? Share your pick in the comments!

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10/28/2026

Fall might be one of the most overlooked opportunities for home buyers. 🍂🏡

While spring often gets the spotlight, the months leading into fall can offer advantages that are worth considering. Here are a few reasons why buying in the fall may work in your favor:

🍁 Less competition – With fewer buyers actively searching, you may face fewer competing offers on the homes you like.

🏠 Motivated sellers – Some sellers are eager to move before the holidays or the end of the year, creating opportunities for stronger negotiations.

📋 More time to make decisions – A slightly slower market can give buyers more breathing room to evaluate homes and make confident choices.

🔑 Move in before the holidays – Purchasing in the fall gives you the chance to settle into your new home before the busiest time of year.

Every market is different, and the right time to buy depends on your goals, finances, and local conditions. Looking beyond the traditional spring market could open the door to opportunities you might otherwise miss.

Reach out today to see if this fall could be the right time for your next move!

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10/27/2026

Moving into a new home should feel exciting, not like a last-minute scramble. 🏡

One easy way to make moving day smoother is to have your essential utilities arranged before you get the keys.

⚡ Electricity — Confirm service will be active on move-in day, so you have lights, outlets, and everything else you need from the moment you arrive.
💧 Water — Make sure water service is set up and ready for those first showers, loads of laundry, and everything in between.
🔥 Gas — If your home uses natural gas, arrange service ahead of time for appliances, hot water, or heating.
📶 Internet — Schedule your internet installation early, especially if you work from home or need to stay connected during the move.

A little planning before moving day can save you from scrambling after the boxes arrive.

Save this checklist and check off your utilities before move-in day.

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10/26/2026

In real estate, price and value are not always the same thing. 🏡📈

The highest-priced home is not necessarily the best opportunity, and the lowest-priced home is not always the best deal. True value comes from a combination of factors, including location, condition, future potential, market trends, and how well a property aligns with a buyer's long-term goals.

That's why successful real estate decisions are about looking beyond the price tag and understanding the bigger picture!

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10/25/2026

The way you approach the mortgage process can shape how prepared and confident you feel when it’s time to buy.

📝 The Planner — You want the numbers figured out first. You review your budget, savings, credit, and borrowing options before you start seriously shopping.

💭 The Dreamer — You have a clear vision for the home you want and use your financing options to understand what fits comfortably within that vision.

🏃 The Go-Getter — You’re ready to act when the right home appears, so you get pre-approved, know your limits, and have your finances organized ahead of time.

There’s more to a mortgage strategy than getting approved. The goal is to understand what you can comfortably afford and make sure your financing supports the bigger home-buying plan.

Take a look at your approach, then make sure your mortgage strategy matches your goals.

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10/23/2026

Mortgage term to know: Principal 🏡💰

Principal is the amount you borrow to purchase your home, before interest and other loan costs.

As you make mortgage payments, part of that payment typically goes toward reducing the principal balance, while another portion goes toward interest.

Understanding how your payment is divided can make it easier to see how your mortgage balance changes over time and how you’re building equity.

Save this mortgage term for the next time you’re reviewing your home loan.

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10/23/2026

People often ask what goes into the home buying process... here is an example of who gets involved....

10/22/2026

Fall is the perfect excuse to get out and enjoy your community. 🍂🎃

From pumpkin patches and harvest markets to live music, local food, hayrides, and seasonal events, fall festivals bring a little extra energy to the place we call home.

They’re also a great way to discover local businesses, meet friends, and experience the traditions that make a community feel like home.

🍁 What’s the best fall festival in the area? Share your pick for best local event in the comments so others can add it to their fall calendar!

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10/21/2026

A loan estimate gives you an early look at what your mortgage could actually cost.

🏡 Once you apply for a mortgage, this document breaks down key details like the interest rate, projected monthly payment, loan terms, and estimated closing costs. It also gives you something concrete to use when comparing offers from different lenders.

Take the time to review the numbers carefully and make sure you understand what you’re being offered before moving forward. A little clarity upfront can make the mortgage process feel a whole lot easier.

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Address

2250 Douglas Boulevard #120
Roseville, CA
95661

Opening Hours

Monday	8:30am - 5pm
Tuesday	8:30am - 5pm
Wednesday	8:30am - 5pm
Thursday	8:30am - 5pm
Friday	8:30am - 5pm

Website

http://www.richstrasser.com/

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