This was my first time buying a home (not the first time for my boyfriend, but he is new to the area). We found a house that we fell in love with. We were both nervous, and we actually found Richard halfway through closing period. He is a true champ and knows his stuff. He was calm, extremely knowledgeable, and could answer every question that we had. We still were able to get everything complete for an early close, and I am extremely grateful for the learning experience and excellent service. - Sarah - Chico, CA

Richard saved us when our first lender was falling far behind in the process. Richard was very efficient and worked his magic so that we could close on our house just about on schedule. He was courteous and answered questions that probably seemed dumb with patience and great explanations. I will highly recommend him. - Honey - Chico, CA

He kept us informed on everything - Melissa - Paradise, CA

Great experience from a great team! - Arkansas - CHICO, CA

Richard and team were excellent to deal with. It's very obvious they have been at this a long time. - Matthew - Paradise, CA

Communication always on point, and explanations were made for everything I didn't understand. - Michele - Paradise, CA

Always kept us updated and got us the best rate. - Craig - CHICO, CA

A super busy real estate market led to a late appraisal, with very limited time, Richard was still able to assemble and finalize our loan in order to close on time. Thank you Richard for a job well done, we appreciate your hard work! - Randy - Auburn, CA

Richard is knowledgeable and got us a great rate. - Chelsey - CHICO, CA

service was great ,and you were very helpful as always - Walter - OROVILLE, CA

Richard always secure us the best rates, provides us with clear information, and returns our questions with quick responses. The process is extremely efficient and most of it is done online. Thank you for the excellent service! - Hyunjung - CHICO, CA

Richard was great to communicate with, kept me informed and at ease. Always answered my calls and questions. Did a great job! - Robert - OROVILLE, CA

This was by far the easiest refinance I have ever been involved in. Richard made the process easy and for the most part kept us informed of the status. I would highly recommend his services to others. - Ronald - CHICO, CA

Richard was fantastic at communicating with me through out the process, and made it a smooth transaction. - Brooke - Chico, CA

Being A first time buyer everything went super easy simple and fast I couldn’t be more happier - Braden - COLUSA, CA

The loan process went very smoothly, Richard kept us informed at every step. We are grateful for his expertise and professionalism in getting us our new loan. We will highly recommend him in the future. Thank you Richard! - Monica - Lake Almanor, CA

Easy experience, second time using him. - Tyler - Oroville, CA

Richard made our first home buying experience smooth and enjoyable! We appreciate your professionalism and exceptional service! - Krisztina - Magalia, CA

This is the second time we have done business with Richard. He is very responsive and very knowledgeable. - Matthew - Chico, CA

Richard made the entire process very easy and pain free!! - Joseph - Lake Almanor, CA

Richard Graeff was very responsive and always answered all of our questions and concerns in a timely manner. - Jonathan - Alturas, CA

Richard helped coordinate our cash out refinance and new home purchase seamlessly. He was quick to respond via email or call whenever we had any questions and was responsive with our agent as well. We worked with Richard 10 years ago on our first home purchase and we'd work with him again. I appreciated his help through this process and navigating the two loans simultaneously. - Wendy - Chico, CA

Richard was excellent at communicating; his understanding of the many aspects and requirements needed for the loan was outstanding. He is very good at this work. - James - Chico, CA

He does a great job - James - Chico, CA

Richard was always timely and answered all of our many questions. Was a pleasure to work with, and will recommend for anyone in the future. - Jeremy - Chico, CA

I felt very well taken care of through the process. Thank you! - Celeste - Chico, CA

Richard was helpful in our first time buying a home. - Rachel - Magalia, CA

Richard always shows he has an understanding of the process by setting our expectations with regards to timing, rates, etc, and then meets them. He really takes the stress out of the financing process! I look forward to the next opportunity to work with him. - Aarron - Chico, CA

Richard was a joy to work with. His skills and experience help us along our purchasing home process. He was thorough and timely. He works efficiently and effectively. I wish I had the chance to meet him in person! Maybe one day, I can shake his hand. - Lanora - Live Oak, CA

As a first-time home buyer, I had lots of questions about the whole lending process. Richard was extremely helpful and always quick to respond. He was amazing to work with! - Sheryl - Chico, CA

Richard and team are wonderful to work with. Richard makes the process easy and makes sure we are kept in the loop thru the process. When others have made the process complicated and frustrating Richard has made it look easy. Thank you for always making our home buying and refinancing easy and stress free. - Nicolas - Chico, CA

Richard made this process so easy. He was always quickly responsive to any question or concern I had. This process could not have gone smoother. I would recommend Richard to anyone! - Nicole - Chico, CA

Richard is fantastic! He is always a pleasure to work with. He is very knowledgeable and easy to work with. - Richard - Paradise, CA

Great service and contact. - Melissa - Chico, CA

The speed and tenacity to get the loan taken care of we’re great - Timothy - Orland, CA

You answered all my questions and got me a great rate on our refinance! - Curtis - Chico, CA

Richard was professional and easy to work with. - Megan - Chico, CA

We have completed several home purchases with Richard. He always gets them closed on time, communicates well, and is always ready to answer our questions. We would never use another lender! - Patricia - Paradise, CA

Fast to respond to our questions. - Eduardo - Chico, CA

Knowledgeable and experienced. - Nathan - Chico, CA

Richard and his team handled my loan process excellently. If I had a question, they always got back to me when I had a question. - Kathleen - Chico, CA

Responsive and patient! Also like the e-mails with updates on home value, market, etc. - Julie - Chico, CA

Smooth transaction. 2nd time doing business with Richard, and will definitely continue to do so in the future! - Joseph - Chico, CA

Richard was highly efficient. He only asked for documents once, was in constant communication, answered all of our questions, and got our loan closed without any hiccups. - Andrew - Paradise, CA

Richard Graeff gives me the piece of mind and confidence that I needed through this process. He communicates well and very timely. - Elizabeth - Colusa, CA

The clarity of communication and overall process. - Erik - Chico, CA

Richard, is easy to work with returns phone calls and e mails. Richard, answered all of my questions regarding purchasing a home. I would recommend Richard, to anyone interested in buying a home. - Benjamin - Chico, CA

The entire process was easy. Richard was always available and responded in a timely manner. - Joshua - Chico, CA

Thank you Richard for always answering my calls. You have always been right there for us, and helped us with all our questions to made our loan transactions easy and timely. - Shellee - Chico, CA

Richard was right there for us every step of the way! He answered all our questions and concerns and is there for you after the sale. My wife and I have financed 2 homes and a refi with him and everything has gone smooth on all those transactions. I would definitely recommend him! - David - Chico, CA

Richard is honest and professional and gets the job done quickly. - Devon - Chico, CA

Richard is very clear, concise and efficient is his communication. We have used his services three times now and have been very satisfied with each experience. - Shelbi - Chico, CA

Richard was attentive to our needs and answered all of out questions, promptly and clearly. He made a seemingly daunting task flow smoothly. - Tiffany - Chico, CA

Richard ALWAYS responded to questions within minutes... He requested our documents and then reviewed them for accuracy. He was very thorough in reviewing all necessary documents. He was extremely polite and professional throughout the entire escrow process. - Thomas - Paradise, CA

I feel that Richard and his team are accountable and follow up on details. High level of professionalism and patience. Theresa was also great - Paul - Chico, CA

Amazing experience! - Jason - Chico, CA

Would absolutely recommend and use Richard again, for our residential financing. - Michael - Chico, CA

2115 - Kristin - Magalia, CA