Let's get you home.
Vamos a llevarte a casa.
Richard Matos, Mortgage Loan Originator, NMLS #1248448
Bilingual mortgage guidance for first-time buyers, new construction and real estate investors, from pre-approval to closing day.
Se habla español · Licensed in Georgia, Alabama, Florida and Tennessee
Meet Richard
I'm Richard Matos, a bilingual Mortgage Loan Originator with NorthStar Mortgage Advisors. I've worked in finance for more than 10 years, first as a bilingual bank branch manager and, since 2021, in mortgage lending.
I've also owned and managed my own rental properties since 2016, so I understand the numbers from a buyer's and an investor's side of the table.
My favorite part of the job is handing a first-time buyer their keys. I'll explain every step in plain language, in English or Spanish, and keep you and your agent updated from application to closing.
Soy Richard Matos, oficial de préstamos bilingüe con NorthStar Mortgage Advisors. Te explico cada paso en español, desde la precalificación hasta el día del cierre.
How I can help
Whether it's your first home, a new build or your next rental, I'll help you understand your options.
First-time buyers
Not sure where to start? I'll walk you through budget, credit and documents, and check whether you qualify for down payment assistance programs.
New construction
Buying a new build? I'll help you understand your financing options before you sign a builder contract.
Real estate investors
Buying your first rental or growing your portfolio? Let's look at realistic numbers and financing options for investment properties.
Real estate agents
Pre-approvals your buyers can shop with, updates at every milestone and bilingual service for Spanish-speaking buyers.
Our Loan Process
Pre-Approval
A loan pre-approval sets you up for a smooth home buying experience.
Shop
Start working with a real estate agent and viewing homes.
Loan Application
A few documents are needed to get a loan file through underwriting.
Loan Processing
Assemble all the necessary paperwork and details for the underwriter.
Underwriting
They closely evaluate all the documentation in the loan package.
Closing
Documents are drawn and sent to the title company for closing.
¿Prefieres español? Te acompaño en cada paso.
Common questions
How do I get pre-approved?
Start your application online or call me. I'll review your income, credit and savings with you and explain your options.
How much do I need for a down payment?
It depends on the loan program and your situation. Many buyers need less than they think, and some qualify for down payment assistance programs. Let's look at your options together.
Do you help with new construction?
Yes. I help buyers purchase new construction homes and can explain your financing options before you sign a builder contract.
Do you work with investors?
Yes. I work with investors buying their first rental or growing a portfolio.
Which states are you licensed in?
Georgia, Alabama, Florida and Tennessee.
¿Hablas español?
¡Sí! Te ayudo en español en cada paso, desde la precalificación hasta el cierre.
All loans subject to credit and property approval.
Let's talk
Ready to buy, or just have questions? Reach out anytime and I'll get back to you as soon as possible.
- Call or text(678) 951-8239
- Office(678) 561-2504
- Email[email protected]
- Facebookfacebook.com/RichardMatosMortgage
- Office address6588 Church St, Douglasville, GA 30134
Start your application
Apply online in about 15 minutes. I'll review it personally and reach out to go over your options.
¿Preguntas? Escríbeme o llámame, en inglés o en español.
Apply OnlineAlready applied? Log in to My Account to upload documents and check your loan status.
Please don't send your Social Security or account numbers by email or text. Upload them securely through the My Account portal.