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Richard J. Allen

VP of Mortgage Lending
27201 Tourney Rd, Suite 100, Valencia, CA 91355
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NMLS: 1369162
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About Richard

I've been working with mortgages for more than 25 years in almost every aspect from underwriting, origination to management. I'm excited to work with my team at Guaranteed Rate, to get the innovative technology this company has out to the public.

My family lives in Santa Clarita and consists of my wife, Denise, and children Annalise and Brendan. Annalise plays travel softball and is on the Varsity team for Saugus High School. Brendan is a wiz at computers, working to improve Saugus High School's web presence and servers when he's not developing for his business. All of us enjoy water activities and being with friends, old and new.

Richard interview Q&A

What specific steps do you use to help your customers find the best home loan for them?
After a client applies using their smart phone or Digital Mortgage I review the file, looking for any special programs they may qualify for, including VA loans, USDA, Conventional, FHA and "niche" products that may be available.
How has the mortgage industry changed since you started, and what would you expect in the future?
Technology has advanced in leaps and bounds since I've been in this business. We've come from handwritten applications and loan decisions to clients being able to get their own loan approval and choosing a rate/program in minutes, all from their own smart phone or home computer.
What can borrowers do to insure a smooth mortgage underwriting process?
Don't apply for any other credit until your mortgage closes! The biggest killer is an auto purchase as it drives up the clients debt load and can easily turn that new home loan into a turn down.
Summary of where you grew up: family, affiliations, college, high school, etc.
I am a "Military Brat"; my father served in the Air Force for 28 years. I graduated from High School in Brindisi, Italy, after which I moved to Northridge to attend CSU in that city.
Tell us something that makes you unique or something wacky, yet interesting about you?
Call me, and after we talk for a short time, tell me where my accent is from.

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