No-cost specialists for 1-4 unit residential purchase and refinance home loans in California. We are experts with first-time homebuyer programs (both conforming and Jumbo), and offer FHA, VA, 203(k) rehabilitation, MCC certificate, foreign national and non-prime programs. We are a one-stop shop for borrowers of all varieties and feature the most innovative cutting-edge products that comply with the most recent CFPB regulations while offering sophisticated solutions for complex loan scenarios. For more information, see www.richardwangmortgage.com or call me at 408-567-0808. Richard joined The Loan Story in July 2013 after a 14-year run as Broker/Owner of Veridian (formerly Opus) Mortgage, a small family business based in Cupertino, California. After graduating with a B.A. in Economics from the University of California at Los Angeles, Richard passed the California State CPA Exam and immediately started selling loans door-to-door for Opus Mortgage – the company founded by his mother Sue Wang, a successful former real estate salesperson in the 1970's and early 1980's. Two years and a hundred loans later, Richard took "a break" by attending law and business schools at Santa Clara University earning his JD/MBA and subsequently being sworn into the California State Bar in 1999. He gained valuable experience as an attorney over the next few years working for an insurance litigation and then estate planning and administration firm before ultimately rejoining Opus permanently in 2002.