What clients say about Richard.

“Richard Khalifa was very straightforward and methodical. He got us to closing in only 10 days with the best rate and no points. He knows how to quickly navigate the mortgage process. We will recommend him to anyone.”

“Look no further than dealing with Richard, a true professional mortgage broker. Speed, great communication and efficient closing is what you can expect every time. Purchase or refinance, he's the man for the job.”

“Don't look anywhere else! You want a home loan, Richard is your guy. My experience was nothing but ease and speed. Highly recommended!”

“Richard was very personable and straightforward. He kept me up to date on every aspect of my loan process. I closed on my loan in less than 30 days because of him!”

“Richard provided my client with excellent service. He worked so quickly and professionally. He was responsive and had us cleared to close on a purchase in JUST FOUR DAYS!”

“When I wanted to refinance to a lower rate, my prior mortgage company was completely unable to get this done for over two months. Richard called me and worked through the process, and I am very happy with the results. A lower rate and payment, plus NO hassles.”

“Richard was amazing to work with and I look forward to using him for any other transactions! Thank you for taking care of me and my family.”

“If you want an officer who will be on top of every small detail, timely and organized, RICHARD is the guy you want to work with! From start to closing was less than 4 weeks.”

“Thank you so much to Richard and his team for their professionalism, their attention to detail, their swift responses, and doing absolutely EVERYTHING they could to get our loan underwritten in a timely manner. It was our second time working with Richard and they definitely did not disappoint.”

“Honest, reliable and fast. Richard guided me through the whole process and was a pleasure to work with. 10/10.”

“Richard did a great job to speed up the process and get closing done in a quick manner. Pretty easy procedure from being across the country in California while I was in New York.”

“Richard was very helpful in the process of refinancing my house. Thank you Richard! The whole process from start to finish was handled by Richard.”

“Thank you so much for guiding us painlessly through the process. We started July 18th and closed August 15th. Incredible customer service every step of the way, and I truly appreciate you.”

“Worked with Richard — great service, and he delivers what he says. Quick, painless and great service, keeps you informed through the process, and the results were much better than expected.”

“Richard Khalifa recently helped us obtain a new home loan. He was not only able to get us a great rate, he was also the most helpful and efficient loan officer we've dealt with in the last 18 years. Thank you Richard. Regards, the J. Family, Eastvale, CA”

“Working with Richard was a game changer for our home buying journey. He took the time to understand our financial goals and offered options that fit our needs perfectly. Communication was excellent — always responsive and proactive. His expertise saved us time, stress, and money. We couldn't be happier and would recommend him to anyone looking for a trustworthy, knowledgeable mortgage broker.”

“Very pleased and happy with all the accurate, efficient and prompt assistance that Richard has provided us. He is honest and trustworthy! Thank you so very much!”

“I had the pleasure of working with Richard on a recent transaction where he represented the buyer and I represented the seller. He was professional, communicative, and kept everything moving smoothly throughout the process. He stayed on top of timelines and helped ensure we closed on schedule. I would absolutely welcome the opportunity to work together again.”

“Richard Khalifa is the best thing that happened to me in the last two years. Like a tiger he never gives up — he was very patient and loyal. More than a mortgage broker, Richard was there to support, suggest and solve my real estate project. I was one of his most challenging clients but he stayed strong and professional and got me my mortgage. Mr. Khalifa is devoted to his profession; men like him are rare to find. He was my mortgage broker and now a friend. Richard will be my broker from now on — trust, devotion, efficiency are his motto. Thank you Richard for helping me reach my dream, my home.”

“Mr. Khalifa has provided excellent and outstanding service to me while assisting me with the refinancing of a VA IRRRL Mortgage Loan. His ability to assess and research my current loan to provide the correct guidance has been wonderful. It's been a pleasure working with him — he's truly been a shining star to me. There has never been a time when he has not helped me; I can pick up the phone and call, he'll answer; I can send an email and he'll reply. His immediate, timely return calls and emails made me feel important and showed concern and dedication to me as the customer. He has a great attitude and always made me smile in each and every phone call and email. I was impressed with his knowledge of the process, his ability to reassure me, and his skill in getting this done in a timely manner and locking in the lower interest rate. His positive attitude and willingness to help others is a rare gem. Thanks for being such an outstanding person and providing outstanding customer service.”

“Richard Khalifa is the guy to call if you want to make your dreams come true. Whether it's to buy your dream home or refinance an existing loan, he will make it happen. When faced with an impossible scenario he takes it on as a personal mission to make it happen.”

“Richard Khalifa was great. Everything was done in a very speedy process for the refinancing of my home. He really knows what he is doing and stays in touch with you during the whole process. It was great working with him. I will suggest him to others — he is very knowledgeable about his job and he loves it. Not only that, he loves us veterans. Thanks again Richard Khalifa for a great job. — DC”

“I was just thinking about our recent refinance, which you handled for us, and I wanted to thank you for the great job you did, getting it completed in the time frame that you said you would. Everything went just as you said it would. Again, thank you for the great job you did. — Dean C., Commerce City, CO”

“Richard, we are about to have our new home and I'm just so thankful that you are always there to guide and help us with everything. You may just be our broker on all the papers we signed, but for me you are a very dear friend and an angel sent by God to guide us for this to happen! I know thank you is not enough. I pray to God that you will continue to succeed in your life and keep your good heart. You are a blessing to us. I hope I can thank you in person someday.”

“Richard, I am taking this moment to thank you for your outstanding service in the refinancing of my VA loan. Your attention to detail, promptness, and resolve to ensure the loan was completed accurately and timely was greatly appreciated. Thank you once again! — Doug C.”

“Richard was on top of everything, keeping us in the loop, getting us the best deal out there. If we had questions he put us immediately at ease. We got exactly what we were looking for. Richard will be the one we go to in the future.”

“Richard was very patient with me throughout the process, which went very smoothly. It was me who started off the process on the wrong foot, because I misunderstood Richard saying I could not get a 30-year mortgage, so I turned to another company. When Richard called back and explained, I came right back — and I'm so glad I did.”

“Richard Khalifa was very diligent and knowledgeable in his work. Not only did he present me with the best offers, he also found mistakes in my previous loan. He held my hand through every step and followed up after his work was done to see if he could assist with anything else. I highly recommend Mr. Khalifa. Respectfully, Bradley D.”

“Thank you for working with me and my wife to refinance our home! We are very pleased with the refinance that we did with you. It helped us save 5 years off of our original loan! We are so pleased that we would like to work with you again to do another refinance for our home in California. — Daniel”

“Hello Richard, I want to thank you for all your help in getting Malcolm and me the VA loan we so needed. I lost Malcolm the following September, and thanks to you for getting us a good deal on our home, I am able to keep my home. The VA didn't see fit to give me Malcolm's benefits because he didn't pass away from what he got 100 percent for. It is hard to make it on one salary, but with lots of prayers and God's help I will make it. Thanks again, Charlotte E.”

“No other way to describe him — other than he talks fast too. You can feel comfortable working with him. He's reliable, dependable, easy to communicate with, and will always do what he can to put you in the best loan for your current situation.”

“Richard, I just want to say thank you for your professionalism and the great service that your company provided for our refinance. We tried other companies and were denied. I was very hesitant to deal with you at first because I thought it would be the same as other companies, but you assured me that it was possible and you made it happen. Again, thank you so much. I will definitely refer my friends and family to you.”

“We are very thankful for Richard's exceptional service in the whole mortgage process. He went far beyond his duties and always made himself available, even in the wee hours, to answer questions — via email, text and calls. He took time to explain to us every little thing that was not clear, especially when we were having difficulty understanding. His dedication, professionalism and commitment made our home buying process a pleasant one. He's very efficient and made us close our loan as smoothly and as quickly as possible! He simply is 'THE BEST!'”

“Great experience. This is the second time we refinanced with Richard. I can't say enough about what a great, knowledgeable and helpful person he is. Obviously we had a great experience, or we wouldn't have used him the second time.”

“We became the best of friends. Usually getting a mortgage is like going to the dentist; in Richard's case it was painless. My wife and I met Richard Khalifa while we were on vacation, by pure coincidence, and it was trust at first sight. Can't wait to work with Richard again.”

“Richard Khalifa is a problem solver, very knowledgeable on all types of loans. A joy to work with — very polite and understanding. We were unable to close the first time; he waited until our situation changed, then worked with us until closing and after. He still is helping us and answering questions.”

“Richard, I just want to tell you that I really appreciate your kindness and your professionalism. We have done refis in the past and this has been by far the best experience we have ever had, and that is due to you. Thank you.”

“Richard worked with us tirelessly to answer any and all questions, and guided us from A to Z with no question outstanding! His professionalism is beyond reproach, and his patience was limitless! I would heartily recommend him to anyone buying or refinancing!”

“I will definitely send referrals your way. It was a pleasure working with you! The process was fairly simple and quick. You always responded quickly to my questions and were spot on with your answers! You were polite, forthright and pleasant! Thanks for everything!”

“I had the pleasure of working with Richard Khalifa on a recent transaction, and I couldn't be more impressed. From start to finish, his communication was clear, timely, and proactive — exactly what you hope for in a lending partner. He made the financing process smooth for both the buyer and our team, staying on top of every detail and making sure we hit all our deadlines. It's not every day you find a loan officer who combines professionalism with such genuine care for the client's experience. Looking forward to many more deals together! Highly recommend!”

“We had an excellent experience working with Richard. He identified a loan program that was perfectly suited to our needs and outperformed other lenders we had considered. From the start, Richard was meticulous — never missing a detail — and he guided us through the process with impressive speed and efficiency. He was always accessible, responsive, and willing to answer every question thoroughly. We are extremely satisfied with the service he provided and will absolutely reach out to him again for any future financing needs.”

“Richard Khalifa is the guy to call if you want to make your dreams come true. Whether it's to buy your dream home or refinance an existing loan, he will make it happen. When faced with an impossible scenario he takes it on as a personal mission to make it happen. Not once but twice I have had him make things happen for me. He puts a piece of himself into the process and sees it through to the end. He is always available anytime to answer questions. I have referred him to several friends, family members, and clients. I will call him again sometime in the future when I need help with my real estate endeavors.”

“Richard Khalifa is the guy to call if you want to make your dreams come true. Whether it's to buy your dream home or refinance an existing loan, he will make it happen. When faced with an impossible scenario he takes it on as a personal mission to make it happen. Not once but twice I have had him make things happen for me. He puts a piece of himself into the process and sees it through to the end. He is always available anytime to answer questions. I have referred him to several friends, family members, and clients. Update: Once again Richard came through. We wanted to take advantage of the low interest rates for our VA loan, and Richard made it quick, fast and easy. He is the guy to call if you are serious about getting stuff done. Thank you Richard for always having our backs.”

“I have worked with Richard for several home purchasing and refinancing opportunities in the past, and he has always been great to work with. This time was no different. He delivers a professional and amazing service. I recommend him to anyone looking to get their dream home or refinance a current one.”

“Richard, thanks for reaching out; your timing is very prompt and warm as always. Our experience working with Richard Khalifa has been nothing short of exceptional. We are a young family, single income with 2 children, who worked with Richard to refinance our house to generate funds for needed residential repairs. Throughout the process, Richard made us feel like priority clients, no matter the day or time. It felt like he was literally ready to move mountains to set us up with a great refinance offer, despite our limited knowledge about the refinance process. We were recommended to work with Richard by professional colleagues — a group, in fact, all of whom have learned of his talent via word of mouth. Thus, his reputation precedes him.”

“Richard, the following is a testimonial to your good work on our behalf: You worked professionally and tirelessly to assist us in refinancing our mortgage loans, combining them so that we now have one loan payment, saving us money as well. We appreciate you. — Mary”

“Richard, please see our testimonial below: We sincerely appreciate the passion and professionalism that Richard exhibited during the refinance of our home loan. He's a great asset to your team!”

“Thanks so much Richard, you're the man. We appreciate your work, as you were very professional and courteous in every way. I appreciate your open door policy on the phone and email. Your response time is amazing and consistent. I would recommend you to family members and friends. Your honesty and care in handling my concerns and worries allowed me to feel safe and encouraged me to move forward with the refi. Thank you again, and thank Leilani for me.”

“My wife and I wanted to personally thank you for making a smooth and painless process for the refinance of our mortgage loan. You made yourself available no matter the time of day and promptly returned any missed phone calls with quick answers and resolutions. I would definitely recommend you and your company to anyone looking to refinance their loan. Thanks again!”

“Thank you for the excellent way you handled the VA refinancing of my home. I have done 9 home mortgages in my life, but you made it easier than I ever realized was possible. I cannot believe my old bank would not work with me. With my wife's death my income was cut in half; making ends meet was impossible. Now, with your help, there is some left over. My sincerest thanks, Don L.”

“We just wanted to share how awesome it was working with you! You were always very professional and helpful. I loved that you were 'on it' every step of the way. You made sure we had our paperwork in order and you were so efficient! I can't believe we closed so quickly! Our first house took months, and you made it happen in 30 days or less! And it would've been even shorter had the other side submitted everything a little more quickly. Regardless, I would highly recommend you to anyone looking for a mortgage. You are fast, efficient, honest and helpful. We couldn't have had a better person to work with. My husband and I still talk about it! Thanks to you, we have our wonderful new house through my VA eligibility! You're the best! Thank you for making everything happen!”

“Thank you Richard. This was a very smooth transaction and you were a pleasure to deal with. If I know of anyone looking to refinance, I will be sure to recommend you and your company.”

“Richard Khalifa is very helpful, knowledgeable, and attentive. He helped our family with a mortgage refinance and we are very grateful. The process was very smooth and seamless. I recommend using his services.”

“I couldn't be more delighted with Richard Khalifa and his team. Richard kept me informed of my different options while explaining which one would be more beneficial and why. He really knows his stuff, so much that it almost felt too good to be true — but that's just Richard's confidence and overall super positive attitude and vibe. I do not make major financial decisions without asking a lot of questions, but more importantly without fully understanding the answers given to me. Richard made refinancing my house smooth while limiting any confusion and frustration I could have had. All along the process I had been told horror stories from friends about how their mortgage companies were unprepared or let them down in some way. I feel very fortunate that my experience was painless and without hardship. We would definitely recommend Richard to our friends and family. Thank you so much for everything! Nicole N.”

“Dear Sirs, my response to the excellent and professional method in which Mr. Khalifa and Ms. Leilani responded to my request for refinance of my home: the process was handled in a manner of excellency which was very much appreciated by myself and my wife. We were, and are, very satisfied with the manner in which we were treated to accomplish the refinancing. Thank you. — Jessie O.”

“Dear Mr. Khalifa, thank you so very much for the help in the refinancing of my home loan. I was very nervous about working with anyone based on my past experiences. You were patient, understanding, thorough, and professional, as well as kind, which made all the difference in my interactions with you. I put my trust in you and you most definitely came through for me. You provided me with honest and reliable information and did not disappoint me. I will have no hesitation recommending you to my friends and associates. Thank you for your support! Sincerely, Tracey O.”

“We were referred to Richard Khalifa by a dear friend. His conviction in the referral was reaffirmed by telling us that 'Richard Delivers.' We now share that same sentiment. We have done business with Richard on more than one occasion and he truly has delivered on his promise of honesty, accuracy, transparency and professionalism. We truly recommend doing business with Richard. He will do his very best to exceed your expectations.”

“Richard was great! He was professional and got it done. We tried to complete this with other companies and were never able to do so. Will definitely recommend giving him a call — you won't be disappointed.”

“Hi Richard, thanks for all your help and support getting through all the problems we had with the flood zone (or not flood zone). I know my being on vacation part of the time caused late evening visits from local public notaries. Everything went the way you said it would. Sorry for the stumbling blocks on my end. All in all, it was a pleasure doing business with you. Take care, Roy P.”

“To whom it may concern: My name is Millicent P. and I am writing this letter to show my appreciation to Mr. Khalifa for helping with my new mortgage. He was very professional in my mortgage refinancing. He went step by step and made sure I understood everything he was doing. He had a great wealth of knowledge in his profession. I would recommend Mr. Khalifa to my friends. Many, many thanks. Thank you, Millicent P.”

“Richard was wonderful. He went step by step with me, with all the applications and texting and auto signature. I will recommend him to my friends.”

“Thanks Richard. I believe that you're heaven sent. Carrington messed up, and it happened that I called the first number that I got from the mail, and here you are. Of course I shopped around, but I got the best rate from you. It's meant to be. It pays to be good — God is sending good people your way.”

“Dear Mr. Khalifa & Ms. D'Anda, on behalf of the family: We thank you for helping us with the refinancing. We are now back in Florida. Thanks again for being so professional. Sincerely yours, William & Maria S.”

“Richard, grace and love to you and yours. Thank you for your continued help with our VA loan again. May we all benefit. Love, Bill & Maria S.”

“This representative has refinanced 2 loans for me and it has been nothing but a great experience. The attention to detail and hunger for success that Richard brought to the situation was the piece of the puzzle that was necessary for anyone who has a timidness, to feel comfortable and proceed and find the pot of gold at the end of the rainbow. Huge qualities that this man and his team bring are: 1) attention to detail, 2) knowledge that is above average, and 3) the desire to make all clients win. Thank you Richard Khalifa.”

“Mr. Richard Khalifa is a man of honor and a gentleman of whom I have become fonder and fonder. The journey through the process of refinancing my mortgage was not without bumps in the road. Richard's gentle hand led me along as comfortably as possible until finally the deal was closed and the objective achieved. There were times when I became irritated and impatient. Richard always, in his calm professional way, was able to guide me over the rough spots. I highly recommend his service to anyone entertaining a similar path to the one I took. Respectfully, Louis S.”

“Sincere thanks, Richard, for guiding us through this process — with the unexpected bump in the road — with such respect and thoughtfulness. Take care of yourself. Good health is the precious thing money can't buy. — Linda”

“My husband and I went through a whole lot (like literally finding a needle in a whole lot of haystacks) dealing with a couple of mortgage refinancing companies, and still ended up unsuccessful after 3 months due to derogatory remarks on my credit report (co-signed student loans). We were very close to selling our house because we had a deadline to meet, until we were referred to Richard through a friend. Because of our past experiences, we were having a lot of doubts and anxiety during the process. Richard helped us a lot by explaining things, encouraging us not to give up, and giving us the reassurance we needed, like a friend. He was there every step of the way and is very easy to communicate with, either by phone or email, keeping us updated all the time despite his busy schedule and the busy holiday season. All day yesterday was cloudy and rainy, but we felt like the clouds got lifted and it got bright and sunny! Because we finally signed our closing documents, just as Richard had promised. This was the best decision we ever made, and if we ever have to do this over again, we would definitely go to Richard again, no doubts about that! We will definitely refer him to all our family and friends. He is simply the best! We cannot say enough, but thank you again Richard! May God bless you and all you do! Sonny & Gemma”

“Hey Richard, I just wanted to thank you for all of your help in making this refinancing experience smooth and quick for us. Thanks to your expertise, we managed to get this done in 3 weeks. We were a bit nervous, but you made it a good experience. Thanks Richard! Calvin & Landee T.”

“I am truly grateful for Richard Khalifa. I had a mindset that it would be better to meet an actual person to refinance, as I did in the past, because it is very difficult to trust anyone when it comes to financial matters. He was referred to me by my best friend. At first I texted him and he called me right away. During that time I wasn't ready, and he said to call him anytime. It took me months to pursue and ask for his help the second time. I did not expect such a polite and warm person could help me go through the tedious process. He asked for detailed information to expedite the process. He's always available and responds in a timely manner. He's flexible dealing with my schedule. His reassurance and updated status reports build my trust. Above all, Richard protects my own interest. He listens and understands my circumstances, which is an extraordinary quality that I look for in a broker. For him, it's not just about money — it is about helping. He cares. I highly recommend his excellent service. He made my refinancing easier.”

“Dear Richard, thank you for all your help. You were very kind and thoughtful. Everything worked out great. Kind regards, Joanne”

“To whom this may concern: I met Richard while trying to get a VA loan. He was very helpful in setting it up. He showed us how to send docs with an electronic signature and a few other computer tricks. He answered my questions right away after I called him. Anytime I had a problem, he was able to solve it. Without his help, we wouldn't have known about VA loans or how to apply for one. Thank you Richard for all your help. Regards, Mr. & Mrs. Vernon W.”

“Richard was very friendly and knowledgeable, guided me through the process, made it very easy for me. I'll refer him to my kids and friends. It turned out like working with a friend who really wanted to help you when in need — that is what Richard did for me.”

“Mr. Khalifa is highly professional, knowledgeable and responsive, and always looking out for my best interests. He has explained things very well; he will go over it and over it if you are having trouble understanding any part of the loan process. I look to Mr. Khalifa to provide me with honest and reliable information, and he's never disappointed. He has been a pleasure to work with. I will recommend him to every person I know who is in need of financing. Matt W.”

“I am pleased to write this review. I recently refinanced my home to a fifteen-year mortgage. I was quite nervous as I understood my payments would change. My agent was Richard Khalifa. Mr. Khalifa was extremely knowledgeable, patient, and worked through all possible scenarios until we found the one most comfortable for me. He was not pushy! I was more than apprehensive, but he helped advise me through it all. My experience was very positive and I would recommend Richard to my closest friends.”

“I was initially impressed with Richard Khalifa's enthusiasm, communication skills and professional demeanor when I hired him to transact our home refinance loan. During the two months Richard and I worked together, he consistently demonstrated all of these qualities and more, and I heartily endorse him for any individual who wishes to finance their home. Richard is reliable, dedicated and eternally upbeat. His ability to calm some of my frustrations during this process was unparalleled, and it is because of his excellence in this area that I feel he would be a valuable resource to any individual. Richard is a hardworking, top-performing customer service professional. He has my highest recommendation. Sincerely, Steven W.”

“Good morning Mr. Richard Khalifa. Let me first of all thank you for working on my mortgage and how fast it was expedited. You are truly a man of your word — you don't find that a lot in this day and age. You'd never met me before, and it felt like we'd known each other for ages. I'm used to doing business face to face because I feel more comfortable seeing the person and looking into their eyes when doing business, but I stepped out on faith — yes I did — and the reason I did is because of Leilani Sanders; she put my mind at ease. Please send my thanks to Leilani. Richard, keep up the good work. I know good will always come to you. I know it is your job, but I felt the joy in you when you help people like myself who are hardworking people. Again thank you, and may God richly bless you always.”

“Hello Richard, I want to express my sincere gratitude for the awesome service you rendered in reviewing my mortgage and establishing a lower interest rate as well as a much lower monthly mortgage payment. By doing so, you have made my burdens much lighter. I was so pleased with what you did, I actually recommended you to my son. I would not hesitate to recommend you to others. Thanks and many blessings! Sincerely, Julian Y.”

“Richard is by far the best loan professional I have used in the last 30 years! He is highly experienced and knowledgeable! He takes his time to fully and patiently explain the process, which can be complicated. Richard makes it easy and gets it done! I will definitely refer him to family, friends and colleagues! Thank you Richard!”

“Richard Khalifa made our loan experience stress free and easy; his extensive experience is beyond apparent. Richard takes his time to explain every last detail about the process with us in the most professional manner! I would absolutely recommend him to all my friends and immediate family members! Thank you Richard!”

“Had an absolutely flawless experience with Richard. He was very responsive to every text, call, and email. He felt like a true partner in the buying experience. We felt supported every step of the way and had the most streamlined lending experience one could hope for. We recommend him HIGHLY.”

“I'd just like to extend my gratitude to Richard Khalifa. The overall ease of the entire process was amazing. I literally uploaded photos and awaited instructions. Thank you again for making good on your promises and keeping my interests in mind.”

“I worked with Richard on a refinance. He took the time to explain all of my options and found a loan best for me. The communication throughout the process was great! Whenever you need Richard, day or night, he's available. I have already recommended Richard to family and friends, and will continue to do so. Hope to work with Richard again!”

“Dear Richard, it was a pleasure working with you. You made the tedious process of obtaining a VA loan very manageable. Your wealth of experience and professionalism was evident every step of the way. We were very pleased with the speed in which our loan was approved and the great rate that was secured. Thank you again for all your help.”

“Hello Richard — my wife Cheryl and I will be forever thankful to you for the great mortgage rate that you got us through the VA. We know that you worked hard getting us that fabulous mortgage! It was not easy and it took some time, but you did it for this veteran in Texas. It has allowed us to better our finances considerably, and for that we will always be grateful. We will recommend anyone we know who is looking for a mortgage to contact you immediately.”

“Richard Khalifa is incredible! He is extremely efficient, professional and communicative, and helped my husband and me secure our dream home on a tight timeline. Richard moved mountains to get everything sorted on our behalf, above and beyond. Could not recommend more! He's the best!”

“Hello Mr. Khalifa and staff, here is a brief testimony of our experience. Cherl and I received numerous offers to refinance our home, but none of them moved on our hearts to pursue them. Then one day we received another offer to refinance our home, and we reached out to Richard. Cherl and I were very pleased with Mr. Khalifa and his team's interest and personal concern about our future. He explained what could happen to us with the loan that we had. We didn't really understand what he was saying at first, but he didn't give up. Just like he said, we found out through our investigation that Mr. Khalifa was right about the financial disaster we were headed into with our current loan. Many families are destroyed for lack of knowledge about their home loans. Mr. Khalifa said that he would close out the loan in 28 days, and he did. He has integrity — we thank you. Pastor and Cherl C. ('The key to victory is consistency.')”

“January 2019. I can't say enough about how great my experience was working with Richard. My VA loan closed very fast, in just a few weeks. Richard Khalifa was knowledgeable, efficient, friendly, and very informative during the entire process. I have had many loans over the years and this was by far my best experience. Caroline G.”

“I am writing this short statement to thank Richard Khalifa for his professionalism. Especially my dear friend Richard Khalifa — he made a very stressful process painless. My wife and I met Richard in person, and I can't wait to request his services again. Best regards, John G.”

“I truly enjoyed working with Richard Khalifa. Richard made things simple and plain and to the point. It took some time, but only because I am not too bright when it comes to this technology stuff.”

“Richard was very knowledgeable, helpful, efficient and honest! I couldn't have asked for a more experienced and capable person for my refinance. He is a 'go-getter' who gets things done and is able to provide the BEST rates! I just closed my refi and have already referred him and his team to several of my friends who are also just as satisfied as I am. Richard gets five stars from me. You would be a fool to use anyone else. Thank you, Richard, for providing excellent service to my family and me! John H.”

“I am pleased with the way the refinance of my mortgage went while working with Richard Khalifa to get it done. Big praises go to Richard Khalifa for making this happen and for the way he committed his time. The communication was outstanding, even with the time difference, us being on the East Coast and Richard being on West Coast time. Richard was great to work with and returned all calls in a timely manner. This was by far the best team I have had the opportunity to work with, and it was a pleasure doing the refinance. Frank H.”

“Getting a home loan and working with Richard Khalifa was as easy as kissing your mother hello after not seeing her for a long time. Every step of the process was carefully and expertly taken care of by Rich. Whatever he promised you, he came through with flying colors and even better numbers than you had hoped for. I would highly recommend Richard Khalifa to anyone looking for a home loan or to refinance an existing home loan, as I did, and save many thousands of dollars over the course of the loan. Tammy and I thank you from the bottom of our hearts.”

“We recently worked with Richard Khalifa to refinance our home, and we have nothing but wonderful things to say about Richard and his team. Richard was very knowledgeable and patient in walking us through every step of the process. He stayed in constant communication and was very transparent in helping us get the best rate. Richard made the entire process very easy, and we would highly recommend him to anyone looking for a worry-free experience. — Ronald and Johnnetta”

“I am pleased to share my total satisfaction in working with Richard Khalifa to refinance my home in Florida. Richard and his colleagues were incredibly helpful in walking me through this process. The whole procedure took a little less than 3 weeks. I am a retired schoolteacher of over 40 years, and a widow. I was not happy with what my personal bank could do for refinancing my home of 30 years to a lower interest rate. I felt like I was at a standstill. But after several conversations with Richard and my VA representative, I knew I was going to work with him. Richard walked me through the technology to find all the information to proceed with the refinancing to a 15-year mortgage at 2.75% interest. I learned a lot with Richard's patience and procedures. If you are interested in refinancing or financing a home, definitely contact Richard. I promise professional knowledge, assistance when necessary, and speedy results. Don't delay. You won't be sorry. Kathleen J.”

“We've been fortunate enough to use Richard Khalifa twice since we've lived in our home. The most recent loan refinance was this summer. His efforts in establishing and maintaining our home loans are to be commended. While some friends of ours had bad experiences and delayed loans/rates with other finance officers, ours was MUCH smoother with Richard. Thank you Richard for the great rate and for all of your hard work!”

“I had an amazing experience with RICHARD KHALIFA. I called not knowing what I wanted to do, and Mr. Khalifa put me at ease and explained the summary of the process. I was struck with his concern, respectful manner and extreme professionalism. He walked me through all the steps and was accessible at ANY time. He became my brother from another mother. I highly recommend this gentleman. A credit to him. Shalom.”

“Don't walk — RUN to Richard for all of your financing needs! Richard and his team are beyond AMAZING. My husband and I were mid escrow and decided to switch to Richard for our loan. He legit put the 'possible' into impossible. He made miracles happen. We closed our home a day before Thanksgiving. Definitely recommending him to all of my family members and friends. I'm going to use him for all of my work going forward. The BEST.”

“I am pleased to share my total satisfaction in a recent transaction with Richard Khalifa. In particular, my dealings with Richard Khalifa were beyond outstanding. Richard is extremely knowledgeable and has the ability to translate this into action. He is very patient, yet at the same time very aggressive in honing in on the best deal. Personally, I have been involved in over twenty transactions through the years, and this ranks at the top. My hat is off to Richard, and I would not hesitate to recommend him in the future. Sincerely, Robert K.”

“Dear Richard Khalifa: First off, I would like to say that Richard Khalifa helped my wife (Donna) and me out with the utmost respect and professionalism that we needed in order to get our home refinanced — and the wonderful interest rate (2.75%) — and helped us get our term (15 years) down from what it was before. Whenever I called him on his work phone or cell phone and left a message for him to get back to me, he did it within 2 to 4 hours, which is fine for me. He also had a very funny side, which I also have, so he would make my day go so great that it was nice to be able to joke with him, and him with me. When it came to getting information that my wife and I needed, he was right on top of everything that we needed to know. The experience and knowledge that Richard has is top notch. Donna and I would also like to add that if anyone in the future needs a great person to help them out with refinancing or purchasing a house — whether they are veterans or not — Richard is a great person to help you. P.S. Richard: Thank you for all the help and fun times that you have given to my wife and me.”

“Richard Khalifa provided me all the information I needed to know to make a sound decision about refinancing my home. He worked side by side with me through the process and got my loan application approved and processed quickly. It was a great experience.”

“Richard and his team helped this process be smooth, professional, and timely. They helped my family during this home purchase. An event that is usually stressful became streamlined. My husband and I are grateful for his team and their hard work to get us into our home. We feel blessed!”

“To all: Richard Khalifa is an amazing mortgage broker. I was contacted by another company, then was told they couldn't help me. About two weeks later I was contacted by Mr. Richard — he said he could help me get refinanced. We said okay, you can try. Not only did he come through — we had a FICO score of only 540. Through the whole process he helped smooth out all the bumps. He got us enough money to pay off all our debts, buy furniture, and put some cash in the bank. I have a friend that calls himself the Mortgage God. Well, let me tell you — Mr. Richard is the MAGICAL MORTGAGE GOD. If you want to get a mortgage or refinance, give Mr. Richard Khalifa a chance to make magic for you — he will not disappoint you.”

“I didn't know where to begin or who to trust in the refinance industry, especially living in NYC. However, when I did some research online, Richard Khalifa came up and I placed a call. From that moment on he was nothing short of helpful. He basically did a lot of the work for me. I actually felt he was on my side and looking out for me. He took the lead on selecting the best lender, supported me through the inspection process, and closed the loan. I had some difficulties due to lackluster credit, like many of us, but he was able to work with it and get me a loan. It wasn't easy, but he was determined, kept me informed, helped with preparing critical documents, and much more. I'm doing another refinance and he will be my guy.”

“I recently worked with Richard Khalifa and his team to refinance my home and consolidate my HELOC, and I couldn't be more pleased with the experience. What could have been a complicated and stressful process was made incredibly smooth from start to finish. Richard took the time to walk me through all my options and helped me find a solution that not only simplified my finances but put me in a significantly better position overall. Consolidating the HELOC alongside the refinance was something I wasn't sure was even possible, but the team made it happen seamlessly. The communication throughout was excellent. I always knew where things stood and never had to chase anyone down for updates. The whole process felt effortless on my end, which says a lot about how professional and organized this team is. If you're considering a refinance or have any mortgage needs, I highly recommend reaching out to Richard. They genuinely care about getting you the best outcome, and it shows!”

“Just closed my refi. Richard Khalifa was an absolute gem. The whole process, although complicated, was made a breeze by Richard. Thank you very much.”

“Richard, Nick and I would like to acknowledge the excellent customer care that we received from you during the refinancing of our VA loan. We appreciated your efficiency, hard work and promptness throughout the process. We definitely would recommend you and your company to others. Thanks again, Nick & Julie P.”

“Richard Khalifa and his team were outstanding throughout the whole refinance process. At each step I understood what was going on. I was pleasantly surprised by the results of my refinance and would recommend them to anyone looking to refinance. Brad R.”

“I was looking for a lower interest rate on my mortgage, and Richard Khalifa contacted me. He made a good proposal and went through the whole process. I was very pleased with him and I did get a lower rate. I'm looking forward to 6 to 8 months from now — if the interest goes down lower, they will contact me. I'm very pleased with him. If you are looking for a mortgage, get ahold of Richard Khalifa.”

“Recently, my husband and I refinanced our home. We were very fortunate to have Richard Khalifa lead the way and guide us every step through what we anticipated to be a very stressful situation! However, with Richard Khalifa's knowledge, compassion and guidance, our experience was exceptionally successful! If you are looking to get a mortgage or refinance, do yourself a favor and call Richard. Let Richard guide you with his expertise in his field. This is a man with a rare combination of true dignity, knowledge and compassion. Call Richard Khalifa when only the best will do! Thank you Richard, for all you do! Warmest regards, R&B”

“My name is Sasha S. and I was contacted by Richard Khalifa. In less than 30 days they completed all the paperwork necessary for me to refinance my house with a better fixed rate and fewer years. The staff is professional and their customer service is a plus. I will recommend them to anyone. Thank you for all your assistance. HAPPY CUSTOMER :) Respectfully, LT Sasha S., Nurse Corps”

“My interaction with Richard Khalifa was a great experience, and he made the process as smooth as possible. I began the process of refinancing with Mr. Khalifa, and he worked through any problems I had with no issues. The refi went along with the final part being a person coming to my residence for document signing. I found ways to try, unknowingly, to make this event not happen, but Richard Khalifa made it happen. I had been in contact to begin a process of not a refi, but a purchase loan. I would highly recommend Mr. Khalifa for this process. — Carmine S.”

“Richard Khalifa did an outstanding job helping me through the process of refinancing. He provided daily updates on the progress of my loan and was always cheerful when we spoke, which was welcome during a process that can be overwhelming. Mr. Khalifa is to be commended for the great job he did, and I would recommend him to anyone who is seeking a mortgage or refinancing.”

“Richard Khalifa and his merry band did a great job from day one to keep my refi process on track. In the end, I was provided with a replacement loan that was at a lower interest rate, lower payment and shorter term! Thanks Richard! And: I found that Richard worked hard and delivered a home refi at better terms and quicker payoff than what I had — and at no out-of-pocket expense to me! Great work Richard!”

“I recently completed a refinancing on my home with Richard Khalifa as my mortgage broker. It was a lengthy yet comfortable process, and Richard was, throughout the exchange of innumerable documents, telephone calls and emails, unfailingly professional. He walked me through each step of the process with ease, calmed me when I became frustrated, and carried through with a completed loan document which lowered both the term and the interest rate of the loan. I am pleased to commend Richard on his work, and would happily recommend him to future customers as a great loan officer. Sincerely yours, Helen W., County Judge (Retired)”

“I highly recommend Richard Khalifa, the customer service extraordinaire. He provided excellent service. The service was professional, personable, informative, and reliable. Mr. Khalifa always took time to explain every step and answered all questions. It was like working with a friend. God bless you, Richard Khalifa. Jarvia W.”

“My most recent mortgage refinance was completed in August 2018, and is the second time I've worked successfully with Richard Khalifa, who led the effort from start to finish. Richard's experience and in-depth knowledge of the refinance process paved the way to navigate through multiple mortgage companies and loan requirements, until we found a match with my financial objectives and personal qualifications. His previous dealings with the companies involved were also key to spotting potential issues in advance, and then employing strategies to ameliorate those issues before they became barriers to our progress. His guidance to me, in terms of when and how to respond to specific information requests, kept everything on track towards closure. His ability to coordinate necessary services on schedule, between the West and the East Coasts, is remarkably efficient — and a model of multitasking! I'd recommend him to anyone seeking mortgage services. Sincerely, Richard W.”

“I want to commend Richard Khalifa for his high-quality service. He shepherded me through our efforts to refinance my existing 5.5% home mortgage to a lower interest rate. It took a full year to achieve the right solution, during which time we encountered a series of advances and setbacks — including issues involving credit scores, historical financial records and tax filings, income sources, one barely-competent local home appraiser, the nuances of New York State home mortgage rules and regulations, and a very unexpected 'not qualified' ruling from the Veterans Administration. Throughout the process, Richard stayed focused and used his knowledge and experience to conduct critical negotiations with no fewer than five mortgage providers. He was always available by phone or email, and communicated regularly regarding the status of issues. Richard W.”

“We are happy we chose Richard for our refinance. Richard was great to work with. When our initial close did not go as expected, he worked to find us a similar rate and deal with a different lender. Happy with our refinance.”