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About Marie Richarz

As a licensed Homebridge Mortgage Loan Originator in California (NMLS #247125), Marie Richarz can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Marie welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Marie has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Marie Richarz Anytime

Feel free to contact Marie anytime by phone or email for personalized service and expert advice. Marie Richarz will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Marie Richarz is 203(k) Renovation Lending Certified

Marie is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Marie Richarz values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Marie by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
Top1%
Mortgage Loan Originator in AmericaMortgage Executive Magazine 2016
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.
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Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

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Roger K. June 2018
“It was good.”
Shuihong W. March 2018
“Organized and quick.”
Rudolph P. January 2018
“Marie was extremely knowledgeable, patient and understanding every step of the way. She was there through every hurdle getting us through it.”
Robert H. December 2017
“Marie Richarz is the best.”
Chelsea R. December 2017
“Marie goes above and beyond.”
William L. October 2017
“Marie was very professional and helpful in making this transaction very smooth.”
Lucely E. October 2017
“Loan officer and staff were helpful and prompt.”
Lourdes M. October 2017
“Quick responses, informative and very pleasant experience. Marie was great!”
Kristopher S. October 2017
“Flexible to our working schedules. Friendly, professional and knowledgeable about the process.”
Kier L. Los Angeles, CA
“We love Marie and recommend her to all of our friends.”
Kier L. Los Angeles, CA
“We love working with Marie! She is always there to answer questions and is so helpful throughout the whole process. We highly recommend her to all of our friends.”
Frank H. Los Angeles, CA
“Very knowledgable of loan products. Would work with her again.”
Alec P. Thousand Oaks, CA
“Trust and care! thanks Marie!”
Brian F. Encino, CA
“The buyer's lender, to whom he was very committed, could not get his loan done. Marie took the loan over and got us approved and funded in just over 2 weeks. Her competence and knowledge was obvious to everyone. My seller was in escrow on a new home and after talking to Marie the agent agreed to extend escrow to accommodate the delay caused by the initial lender. There were 3 families counting on these contingent transactions and Marie made it all happen. She's the best.”
Earl T. Oxnard, CA
“She was an outstanding Loan Officer.”
Earl T. Oxnard, CA
“Outstanding.”
Karl U. Hawthorne, CA
“My Loan Officer was very informed and communicated well with me. Answered all my questions and made me feel very comfortable. A very positive experience for me.”
Krystina S. Palmdale, CA
“Marie was absolutely wonderful. She was extremely knowledgeable, patient and kind. She made the whole process easy. I truly couldn 't have asked for someone more fabulous to work with.”
Jeffrey Y. Los Angeles, CA
“Marie was all over it!! We never had to search her out to talk, she always answered the phone or called right back. Thank You.”
Steven L. Santa Clarita, CA
“Marie was outstanding. Everything went smoothly and we are extremely satisfied. Thank you.”
Kier L. Los Angeles, CA
“Marie was so helpful and very clear in explaining everything that was going on. She was honest and straight forward and we really appreciated the energy she put into getting us our loan.”
Abraham V. Los Angeles, CA
“Marie Richardz was a ten star help and took care of us through the whole process with the utmost professional assistance! I highly recommend her. Thank you Marie!!!!”
Tara C. Laguna Hills, CA
“Marie Richarz is absolutely amazing to work with. She was always available to answer any questions I had and made the entire process run smoothly. I will definitely work with her again for any future property purchases.”
Caroline C. Los Angeles, CA
“Marie Richarz is amazing. Extremely knowledgeable, a very hard worker, always available, completely dependable, exceptional follow-through and very pleasant to deal with. Marie goes beyond the call of duty. I will absolutely recommend her services. Thank you Marie for being a fantastic partner!”
Matthew M. Panorama City, CA
“Marie Richarz is AWESOME. You are lucky to have her!!!”
Maria-Theresa T. North Hills Area, CA
“Marie Richarz is excellent and an expert in LAHD loan. Her assistant is doing a good job too. These two are a great team. Our refi is still ongoing and we know we are in good hands.”
Mike A. Los Angeles, CA
“Marie Richarz is the best! She always gets it done, and I shine because my clients are always happy!”
Tina W. Los Angeles, CA
“Marie Richarz just really made the process relatively stress free and streamlined, she was very professional and pleasant.”
Paul O. Los Angeles, CA
“Marie Richarz saved this deal. The buyers had their own lender and the listing agent required buyers be qualified through his lender. Both were incompetent. This deal would not have closed without Marie. She even managed to close it in less than 30 days. This is why I always ask my buyers to qualify with Marie, even if they have their own lender. This isn't the first deal she has saved for me, and I'm sure it won't be the last.”
Rita D. Encino, CA
“Marie Richarz was communicative and thorough, throughout what could have been a convoluted process for me. She made it seem simple and easy. I 'm incredibly grateful to have worked with such a stellar team on getting me into my new home! Thank you!!”
Richard P. Los Angeles, CA
“Marie impressed me on our first meeting with her knowledge of real estate financing. I felt very secure with her experience and felt as though she was "on my side" from the get-go, quite opposite of the treatment I received from the banks.”
Veronica G. Glendale, CA
“Marie is knowledgeable, trustworthy, and committed. She gave me great advice on my first home loan. She is also extremely personable and attentive. Great experience!!”
Phillip M. Agoura Hills, CA
“I have never had such an easy experience in home lending, ever. Marie is personable and knows her job. I will refer to her. Thank you so much for changing our lives with this house.”
Teri P. Thousand Oaks, CA
“I am the listing agent on a home that Marie Richard just closed. She picked up after another lender could not perform on the loan (after 3 weeks in escrow) and luckily for all she was able to complete the loan without much delay at all. Marie was always on top of things and kept everyone in the loop. Very professional and would not hesitate to utilize her services for other clients. True professional.”
Martina L. Los Angeles, CA
“Communicated well, picked up her phone and answered questions.”
Jason V. Northridge, CA
“As usual, Marie worked with everyone involved to save our deal. She 's my go-to person for a reason.”
Adrian G. Downey, CA
“Answered all our questions clearly and guided us throughout the process.”
Tamara M. Simi Valley, CA
“Amazing! Hands down Marie is the best Loan Officer I have worked with in 16 years!!”
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