Richardson Lending Team

Residential.

Construction.

Commercial.

Get an intelligent, customizable digital mortgage analysis with no hassle and no obligation.

Secure

Bank-level Digital Security
SSL Encryption
24/7 Security Monitoring

Fast

A to Z digital process
Mobile device compatible
Faster Loan Closing

Easy

Answer simple questions
Safely share financial data
Loan approval in minutes

Mortgage Calculator

The City 1st

Digital Mortgage

The City 1st digital mortgage platform is an easy, fast, secure digital mortgage process from A to Z. Most people don’t understand that a mortgage has 4 parts: Application, Documentation, Approval, Closing. While most mortgage companies focus on just one of the parts, City 1st Mortgage has designed a complete, automated, “end-to-end” home buying or refinancing process.

Choose from an array of the nation’s best priced lenders to customize your loan with the best program and interest rate to meet your needs. With our bank-level security & SSL encryption system, City 1st Mortgage automatically imports credit, asset and income information directly into your loan application. In some cases, we will need to gather this information from you manually, but when we can gather it electronically, we can review your loan application and provide a Pre-Approval in as little as 8 minutes!

Call us today at (866) 655-0466 for a free quote and consultation.

How Can We Help?

The All in One Loan

Mortgage interest can be one of life’s biggest financial obstructions. The All In One Loan was developed by homeowners and mortgage professionals as a solution. By combining banking functionality with home financing into one dynamic instrument, borrowers may be able to save tens of thousands of dollars and years off their loan.

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Buying a Home

City 1st Mortgage offers a wide variety of purchase home financing programs including conventional fixed rate and adjustable rate loans and low and no money down products such as FHA loans, VA mortgages, and USDA rural housing loans.

EXPLORE PROGRAMS

Refinancing a Home

Save time and money on your next mortgage refinance with City1st Mortgage. We have a great selection of programs to help lower your rate, shorten your loan term, and get the cash you’re searching for. Contact us today for a free, no obligation consultation.

FINANCING OPTIONS

Building a Home

With our 1-time close construction loans, you can finance the cost of the lot, the build, and the permanent loan into a single loan! This helps you save time and money by not having to deal with multiple loans and closings.

EXPLORE PROGRAMS

Great Loan Programs

At City 1st Mortgage we understand that there is no one-size-fits-all when it comes to mortgage financing. We offer a broad selection of home mortgage solutions for residential property financing throughout much of the United States.

TYPES OF LOANS

Download the Mobile App

With our free mortgage mobile app you can calculate your mortgage payments, upload your documents, stay in touch with our loan team and receive up to the minute updates on the loan process as well as market information.

Career Opportunities

City 1st Mortgage has been in business since 1992 and we’ve helped thousands of home buyers and homeowners fulfill their dreams of home ownership. Contact us today for a free consultation and demo of the City 1st platform. Find out why top performing teams are switching their business to City 1st to better support their clients and partners!

Proud to Offer

Valencia Office:
27413 Tourney Road, Suite 160
Valencia, CA 91355

NMLS Branch ID #1848823

Granada Hills Office:
10324 Balboa Blvd.
Granada Hills CA 91344

NMLS Branch ID #1911784

Join the TEAM

At City 1st Mortgage we’re always looking for talented mortgage professionals to join our growing team. We’re an Equal Opportunity Employer offering a highly competitive compensation and benefits package.

Call us TODAY for more information.

Office: (866) 655-0466

City 1st Mortgage Services, LLC. (www.nmlsconsumeraccess.org) is an equal opportunity lender. Branch NMLS ID #1848823, 27413 Tourney Road Suite 160 Valencia, CA 91355 (866) 655-0466, is an FHA-approved lender, a California financial lending institution licensed by the California Department of Financial Protection & innovation under the California Residential Mortgage Lending Act and is not the FHA, which is a government agency, nor working on behalf of the FHA.

This is not a commitment to make a loan. Loan approval is not guaranteed and is subject to lender review of information. Loan is approved only when lender has issued approval in writing. Specified rates may not be available for all borrowers. Programs, rates, terms, and conditions are subject to change without notice based on applicant’s eligibility and market conditions. Other restrictions and conditions apply.

Rates displayed are the average rate of all appropriate locks locked through the Optimal Blue product eligibility and pricing engine on a given day. No adjustments are made for buy-up or buy-down decisions made by individuals.

Data is aggregated nightly with the previous day’s locks. Weekends and holidays are excluded due to lack of lock volume. All applicable product types are included unless otherwise specified, and the breakdown of customer types is by mortgage company (82.49%), bank (15.30%), credit union (1.92%), and service provider (0.30%).