RICHARD ELLIS | Lender at
ORIGIN POINT MORTGAGE
NMLS# 826340
Direct: 469-531-0059
Richard.Ellis@originpoint.com
A Dallas Texas native, I've been in mortgage origination 10+ years right here in DFW. I pride myself on education and communication throughout the lending process. Originally licensed in 2007, I've seen every market condition imaginable.
In an industry that evolves daily and can turn on a dime, it is imperative that you work with a professional. I strive to be a resource for my clients and real estate agents alike. Keeping up with the latest guidelines, trends and technology helps me to stay ahead of the curve and provide the best level of service. My goal is to be your trusted partner.
Speciality Programs
- Zero origination fee on all VA (Veteran) home loans
- Various buy down options available - 2/1, 1.5/.5, 1/0, 3/2/1 & 1/1/1
- 1st and 2nd lien options (80/15/5 & 80/10/10) no PMI with as little as 5% down payment
- Jumbo 5% down with a second lien (80/15/5 up to 1 million purchase price no PMI)
- Non-warrantable condos and condotel solutions
- No income - No DTI ratio qualification (80% max LTV virtually no income verified 680 credit score minimum)
- Doctor/Medical Professional loan (max LTV 97% with no PMI)
- DSRC- Investment property loan – No income verification
- Bank Statement Loans – Loans based on assets/bank statements (ideal for self-employed buyers with heavy losses on tax returns)
- Float Down option – Locked loan interest rates can be floated down one time prior to closing when market conditions improve
- Lock ‘N’ Roll program – Lock in the rate and then shop for a home
- Lock ‘N’ Build Program – Lock in the rate while you build your home. (Some up-front fees will apply)
- Extended Rate Lock Options up to 365 days
Testimonials
Harshika Thusu
Extremely professional and very approachable. Richard and his team have been very prompt in answering all our questions and making sure we have a smooth first time home buyer experience. I can’t thank Richard enough for being so approachable and available during this entire process. Glad to have worked with him and his team.Extremely professional and very approachable. Richard and his team have been very prompt in answering all our questions and making sure we have a smooth first time home buyer experience. I can’t thank Richard enough for being so approachable and available during this entire process. Glad to have worked with him and his team.
Julia Small
Richard is the best! From the first call, he worked to establish trust and opened the door for smooth communication throughout the process. As a first time
home buyer , I was nervous navigating the many complex steps —but Richard made the experience so easy. He took his time to explain everything to me in a way I understood. It’s easy to see that he loves what he does because of how hard he works for you. The seller and title company I used both praised how refreshing it was to work with Richard and his team , which makes me know he was the right choice.
Emily Hamilton
Can’t say enough good things about our experience with Richard. From start to finish he was responsive, knowledgeable, kind, and personable. This was our first home purchase and I was SO nervous about getting haggled around and lost in the shuffle, but this couldn’t have been further from my experience. Richard and his team are great- and I would certainly recommend them and will use them in the future!
Austin Jones
Great experience and service. Richard is very educated in his field and was very pleasant to work with. The best interest of the client comes first with him and his team, with a big focus on integrity in all business performed. I Will be using them again with my future investments.
Nicholas Brogden
Great experience! 10/10. Worked with us countless times on different scenarios and offers. Once we were finally under contract, 18 days clear to close. Upmost trust in Richard, he makes the process what it should be. Highly recommend.
Shay Frazier
I am a real estate broker and Richard helped a few of my clients out and did such an excellent job that I asked him to assist in securing financing for my own purchase. He did not disappoint. It was a tough transaction with builder who was very tough to deal with. Richard came in like the professional he is and calmed down the builder and got our transaction to the closing table with an excellent interest rate and on time! I would definitely recommend him to anyone I know.
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Compass and OriginPoint LLC share common ownership and because of this relationship, Compass Brokerage, LLC. or its affiliated entities may receive financial or other benefits. Clients are not required to use OriginPoint LLC as a condition of purchase or sale of any real estate.
OriginPoint Mortgage, Member FDIC, NMLS Entity ID #2185899