Ricardo Pacheco

Tommie S.

He puts in the work to get you the best and most honest deal.

Brenda M.

Ricardo provided expert guidance during the whole process. I can't thank him enough for his commitment to me and my personal circumstances as a first time buyer. He's gracious, leads with heart, always has the right thing to say and never left me ques..... Read Moretioning any of my decisions. I never got cold feet during this

Hadeer A.

Extent

Laura F.

Ricardo made the process very easy and provided great analysis on the payments and down payment options.

Helen E.

Ricardo and his team are very professional, kind and knowledgeable in all of my home loan processing needs. The team was always available throughout the process. I appreciated the videos provided to further explain the loan process, during my loan jou..... Read Morerney. Thank you for making my loan process

Kent

First time home buyers that, with the helpful advice and knowledge Ricardo was able to provide, were able to get our loan approved and escrow closed sooner than hoped. He answered the numerous questions we had with grace even when we were reaching out well outside of "normal" working hours.

Michele

Ricardo was amazing. He answered all my questions even before I knew I had any. His whole office made my experience very smooth. If you need someone to help you through the buying/financing process, I would recommend him

Daniel G.

This was my third time using my VA loan and Ricardo finished this loan faster than both of the lenders I have used previously. I'm hoping to be in this house a long time but if I do move again I'll definitely contact Ricardo.

Ann M.

They say people will forget what you said or did but they will never forget how you made them feel. Well, Ricardo Pacheco is someone I cannot forget. It was by chance that I was referred to Ricardo by an agent who my sister referred me to. Before w..... Read Moreorking with Ricardo, I had attempted to work with two other lenders and agents who just didn’t work out. It was my first time stepping out of my comfort zone to go after the dream of becoming a homeowner. That was something that felt unachievable and I was destined to rent for the rest of my life! Long story short, I knew there was something different about Ricardo when we had our first phone conversation. He was honest but extremely helpful! He provided me with step by step guidance that ultimately made my “unattainable dream” come true! Seriously... he should write a book! I’m the type to research and study but the information and guidance he gave me was not in any books! From fixing my credit and the loan process, debt to income, what’s most important and what not to waste time on. Etc. he also helped me manage my expectations and to not over reach so that I wouldn’t be house poor. I was able to buy my first house on an FHA loan on a short sale within 30 days in the BAY AREA! Ricardo and my real estate agent were two go getters who never met, that came together on my sale and made it happen! I’ve never met Ricardo face to face. We did everything by phone and emails but I know that I wouldn’t go to anyone else in the future but Ricardo! I don’t care where he is or what company he’s working for... I work with him because people like him are rare and god sent. I highly recommend him to anyone who needs a lender. Thank You Ricardo for your patience, guidance, honesty, and excellent follow through! You don’t need this review because anyone who has been blessed to work wi