More About Richard Heath
Richard is a respected leader in his profession and a veteran of the United States Marine Corps who has made a conscious decision to run his business differently. In today's challenging mortgage market he realizes that the mortgage process can be both confusing and intimidating. Unlike traditional loan officers, who simply quote rates and fees with little or no advice or guidance, he takes a far more holistic approach to mortgage planning. Besides getting his clients the best rates and lowest fees, he goes the extra mile with an in-depth consultation to help his clients integrate their home loans into their overall long and short-term financial plans.
Richard wants to keep his clients for life. He stays in touch with them throughout the loan process and follows up after closing. Richard is an expert in VA, FHA, Conventional, USDA, Jumbo and specialty portfolio programs such as Bridge Loans, Lot Loans, New Construction and Renovation Loans.
His comprehensive, face-to-face mortgage consultations allow him to fully explore his clients' down payment and monthly payment comfort zones, give credit score advice, and recommend the most appropriate mortgage products. Whether his clients are purchasing a home or refinancing their current loan, he will have the ability to discuss total loan costs, rent versus own comparisons, as well as principal reduction models.
His unique consultative approach to mortgage planning has paid significant dividends over the course of his career. From 2009 through 2017 alone, while the industry as a whole contracted significantly due to tightening underwriting guidelines and government regulation, Richard successfully originated and funded over 1500 loan transactions, earning him the designation of St. Louis Magazines Top 100 Mortgage Originators.
Richard is originally from Florida, relocating to St Louis in 1999. He is married to Christa O’Daniels Heath and has two children, Ava and Daniel. When he isn’t working, he enjoys spending time with his family, golfing, fishing, camping and hanging out with friends and family.