Risha Kilaru is a SVP of Mortgage Lending (NMLS #249676) at OriginPoint (NMLS #2185899), licensed to do business in CA.
**Voted "Best Mortgage Lender in the San Francisco Bay Area" – SFGate 2025** Buying a home isn't just about getting approved for a loan, it's about making one of the biggest financial decisions of your life. My goal is to help you make that decision with confidence. For more than 20 years, I've helped thousands of families purchase homes, refinance, access their home equity, invest in real estate, and navigate complex financing scenarios. With $1 billion+ in funded loans and more than 600 five-star client reviews, I've built my business around one simple philosophy: The best mortgage isn't always the one with the lowest interest rate, it's the financing strategy that best supports your long-term goals. As a direct residential lender with in-house underwriting, processing, and funding, my team provides faster decisions, proactive communication, and a smoother experience from application through closing. Specialties include: - Comprehensive Home Financing Solutions - First-Time Homebuyer Programs - Conventional, FHA, VA & Jumbo Loans - Home Equity Loans & HELOCs - Refinancing - Investment Property Financing - Multi-Unit Properties - Non-QM Loans - Bank Statement & Self-Employed Borrower Programs - DSCR Loans - Reverse Mortgages - Down Payment Assistance Programs - Bridge Loans - Renovation Financing Contact me anytime to better understand your options and develop the financing strategy that's right for you!
Jumbo purchase loans: 10% down payment to $1.5MM; 20% down to $2MM. Lot and construction loans. Doctor Loans Fannie Mae, Freddie Mac, FHA, and VA loans Over 25 years experience.
SELFi
While SELFi is not currently offering mortgage services, you can still connect directly with Joseph Flannery, JD, MBA, (NMLS 791180) for personalized guidance. Email: Joseph.Flannery@SELFi.com No pressure - just a straightforward conversation to help you make the right decision.
Started in 2012, Chris has closed over 1,000 loans in his career. The key to his success starts and ends with education. After hearing from his clients that the mortgage process was inherently broken, Chris turned his focus to creating the tools (see his famous spreadsheet) to help buyers understand the mortgage process, walking them step by step through the details in a simple and approachable way. Whether you’re a first time homebuyer, a seasoned investor, or somewhere in between, Chris’ education-based approach will give you the ability to confidently build wealth through real estate.
Guarantee Mortgage, NMLS #1194346 | Julie Malta NMLS# 254124 |APM NMLS #1850 | BRE #: 012159403 Loan Consutlant Top Producer Fast turnaround for simple and complex loans. Refinancing with the best terms possible. Want the house of your dreams? Or a quick closing on a refinance? Our processes are very refined so we can close quickly to compete with cash offers or multiple offers in communities with limited inventory. We fully prepare and underwrite your loan package prior to making offers on properties so you know exactly what you can afford to purchase. Our clients are able to obtain aggressive closing timeframes in a short as 15 days allowing your offer to stand out amount the heap of offers. I pride myself knowing how to structure the best loan programs that matches my client's personal profile whether your financial profile is simple or complex for residential 1-4 unit properties, including, jumbo, conventional, FHA, VA, first-time home buyer programs, commercial and private money loans. I help my clients every step of the way, throughout the lending process, making it easier for them to achieve success!! My clients appreciate the time I spend in explaining all that is required during the process to make it smooth, easy and stress free. We serve the San Francisco Bay Area as well as the rest of California.
First Capital Group Inc., based in the heart of San Francisco, CA, specializes in providing real estate loans. As a leading financial service provider, we are committed to helping individuals and businesses secure the funding they need for their property investments. Our dedicated team offers personalized service and expert guidance, ensuring a smooth and efficient loan process tailored to each client's unique needs. Trust First Capital Group Inc. for all your real estate financing solutions.
