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About me

With more than 25 years of experience as a certified mortgage planner, he's dedicated his professional life to making homeownership a reality for his clients.

Richard is knowledgeable in all types of residential mortgage financing and committed to delivering impeccable service. Whether he's strategizing and assisting a first-time homebuyer with carving a path to financial security or advising seasoned buyers upgrading to their dream home, helping others is his passion and Richard considers it a privilege to personalize mortgage solutions for his clients and become their mortgage expert for life.

He knows what it takes to help clients achieve their financial and home ownership goals. His successful track record as a mortgage consultant and his ability to guide clients through the lending process has led him to winning the national Star Professionals Award every year since its inception in 2010, becoming one of only 14 mortgage originators in Colorado to have had this designation for 13 years. This prestigious award recognizes mortgage loan experts with a reputation for professional excellence and providing their clients with quality service. I want every client to know that I'm working with them, on their behalf. I'm with my clients before, during and after the loan process. Even if there's a potential borrower that can't fit into a mortgage program at a given point in time, I will do my best to give them an action plan to help attain their goals. I believe a simple way to achieve long term success is to use one's expertise and knowledge to help others and have fun doing it!

Let's find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Testimonials

The rating and reviews below represent my top reviews.
4.91 out of 5.0 stars
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5.0
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4.8
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5.0
Karen
Nov 2, 2025
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Richard is attentive and very knowledgeable about the loan process and guides clients through the process fro...See more
Matthew
Oct 2, 2025
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Richard is the best!
DeanO
Oct 3, 2025
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We had a very good experience with CC Mortgage, Richard Smith in particular, during our recent ReFi. We would recommend...See more
Reda
Oct 6, 2025
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Richard is just great at making the whole experience clear, smooth and hasle free!
Amy
Aug 5, 2025
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Richard was a great communicator and easy to work with.
Tina
Aug 3, 2025
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I had such a positive experience working with Richard. From the very beginning, he was kind, personable, and genuinely ...See more

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Awards

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Causes & Memberships

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NMLS ID #285934

I am authorized to do business in the states of Colorado and Texas.

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