Loan Officer Profile
About MeI represent the third generation of real estate professionals in my family. That experience, combined with my own real estate sales (1990-1993) and mortgage lending (1993-present) experience, assures every client that they are benefitting from a level of service that few other lenders can match. "The views here are mine & do not represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries"www.primelending.com/legal"
- Employed by: PrimeLending, A PlainsCapital Company since 2010
- Ohio and nationally
Recently Answered Questions
The maximum loan amount when refinancing a rental property is 75% (1-unit property) or 70% (2, 3 or 4 unit property) of the appraised value. Contact me directly at ************ or ************************* for more details.
The minimum credit score required varies from lender to lender, but generally speaking the minimum (median) credit score required for most traditional loans is 600 to 620. Since your score is close to the minimum required, your loan application will likely require compensating qualities to offset the perceived risk suggested by your credit score. The surest way to know your qualifying ability now is to apply for a loan with a lender; doing so will at least confirm for you what action may be required to prepare you for future loan qualifying. You may be pleasantly surprised and learn you qualify now!
Ratings & Reviews
Loan Officer Reviewwhisprglen from Springfield OHRecommended!
I have worked with Richard Winters on the financing of two houses with great success. So pleased was I with Richard's professionalism, knowledge, and dedication that I recommended him to three of my children. Richard carefully and fully explained the process to these first time buyers. I and my family highly recommend Richard Winters as your mortgage broker.Loan Officer Reviewcassystems from Dayton OHRecommended!
Richard is an outstanding loan processor, willing an able to help you with your mortgage. He is always available to assist with anything you need and responds in a very timely manner. Walks you through the whole process while delivering top notch service. I would recommend Richard again and again.Loan Officer Reviewtrho from Cincinnati, OHRecommended!
Great service, very informative
As a first time buyer, I needed a lot of questions answered. Richard always responded quickly with helpful information and stayed in contact with me throughout the process.Loan Officer ReviewCynthia from Dayton, OHRecommended!
I have dealt with Richard on several occasions and he is always very prompt, correct, and professional. Would recommend to anyone needing help with a mortgage.Loan Officer ReviewTina from Medway, OhioRecommended!
Rich will always be our guy!
My entire family uses Mr. Winters and that includes three generations! He is helpful, educational and always there if we need him.Loan Officer ReviewKevin from Fairborn, OhioRecommended!
Review of Richard Winters
I have known Richard for over 30 years. He has helped us refinance two mortgages and both times was able to set us up with great rates and terms. He is excellent at his work and I would recommend him for anyone's refinance needs.Loan Officer ReviewAnna from Columbus OhioRecommended!
Richard did wonders when helping us with our loan. We were in the process of leaving the country for a month; Richard made sure that we closed on the loan prior to leaving, which was not an easy task to accomplish. Richard jumped hurdles to ensure a successful closure on our loan!Loan Officer ReviewDuane from Dayton OhioRecommended!
The one thing you can count on with Richard is that he will work hard to get you the best deal he can get you while be open and honest about fees & closing cost and patient in explaining them for your understanding. Our family trusts Richard and we have no hesitation in recommending him for all your lending needs.Loan Officer ReviewAnthony from Fairborn, OhioRecommended!
Mr. Winters was more than helpful all througout my loan process. When I had a problem, he got me through it with his advice and experience. He made it so easy for me. Yes, I would and have recommended him to my friend, Agnes who also just completed her loan with Mr. Winters help.Loan Officer ReviewBobKat from Huber Heights, OHRecommended!
Bob & Kat
Mr. Winters is by far the most consummate professional I've had the pleasure of working with. I would not even consider working with anyone else. He leaves no doubt about where you are in the loan process or what to expect. He works extremely hard to keep you completely up to date and for the best market deal. I am extremely pleased to be associate with Mr. Winters. He is a 10 out of 10... Read MoreI represent the third generation of real estate professionals in my family. That experience, combined with my own real estate sales (1990-1993) and mortgage lending (1993-present) experience, assures every client that they are benefitting from a level of service that few other lenders can match. "The views here are mine & do not represent those of Hilltop Holdings, PlainsCapital Corporation or its subsidiaries"www.primelending.com/legal"