My First-Time Homebuying Experience: How Risha Kilaru Made It a Success I almost finalized another xxx lender for pre-qual, my offer for a home also got selected. I knew the interest rate was a little high, but I still wanted to go with them because no other lender was willing to reduce the interest rate or offer lower closing costs. Luckily, I was introduced to Risha Kilaru through my realtor, Heena Joshi. Things changed right away. Here are a few things I liked about Risha and her team: ***Loan estimation and eligibility rough check within 10 minutes:*** This was the best part. I had been spending days uploading documents to get an initial estimate from other lenders, but Risha, as an experienced person with underwriting knowledge, was able to give me an eligibility check in just 10 minutes. ***Interest rate:*** Risha knew the interest rate I had already received from another lender. She knew I would be happy if she could provide a small margin reduction, but without any negotiation, she gave me the best interest rate at the time, which was almost 1.5% lower than the other lender with 0 discount points, this saved me almost 42k upfront. ***Loan origination/closing costs:*** Risha works in favor of the buyer and their situation. With whatever money we had, she made it work without putting us under stress at the last minute. ***Commitment:*** Risha doesn't make any false promises nor false confidences. She will do what she tells you at the beginning even better wherever possible. ***Process:*** Risha is very process-oriented. The process is very transparent, and at any stage, you know where you are and how long it would take for the next action items. There are no hidden transactions or processes. ***Risha's team:*** Risha has dedicated resources for each process, and the handoff between them is well-organized. Overall, I had peace of mind throughout the process. I can't even imagine what would have happened if I hadn't met Risha. Buying a home is a big commitment, and it will come with Good or Bad surprises once you move in. However, I am sure there won't be any surprises with Risha. She will make sure to take away the lending headaches. I highly recommend Risha Kilaru to anyone looking for a mortgage lender. She is professional, knowledgeable, and efficient. She will work in the right direction to get you the best possible loan terms, and she will make sure that the process is as smooth as possible. read more

I give  Risha Kilaru five star.This is the first time I am giving a five star to anyone in any financial  company. Risha Kilaru in Guaranteed Rate was referred to me by a professional in Real Estate after I found that the company I started with is delaying the process and taking its time as though there is no closing date and changing the rate as I move along. I had to find an alternative to resolve this issue in a very short time. Risha has implemented communications and processes  that are very effective, seamless and  guarantees access to competitive low rate and timely closing. I started the process during the holiday season but  Risha had her entire team (not one or two people, an entire team of experts) were available all the time. They simplified and explained each step of the process, and answered all my questions immediately polietly. They evaluated , processed and guided me through the entire process quickly and effectively with ease.  They  locked me at a very low rate which was lower than my bank/other institutions. They communicated effectively with all the parties involved in the transactions from start to closing. The appraisal took place in a very short time with an expert who knew about the local housing prices and it was very cost effective. We completed the loan in under two weeks at a better rate than my original lender was proposing. Risha's team demonstrated integrity, efficiency and excellent team work. I can not imagine working with any other person and institution to obtain a mortgage in future. I highly recommend that anyone considering a mortgage to contact Risha, She will give you an answer quickly and you can count on her word to deliver. read more

Exceptional Mortgage Broker for First-Time Homebuyers I had the pleasure of working with Risha as my mortgage broker for my first home purchase, and she truly exceeded my expectations. From the beginning, Risha put me at ease and patiently guided me through each step of the process. Her knowledge and expertise were evident as she provided clear explanations and made sure I understood everything as a first-time homebuyer. Risha's attention to detail was impressive. She meticulously reviewed all the necessary documents and financial information, leaving no room for errors or surprises. This level of thoroughness gave me confidence in her abilities and allowed me to avoid potential obstacles along the way. What sets Risha apart is her personalized approach. She took the time to understand my unique financial goals and preferences, ensuring that the mortgage options presented to me were tailored to my needs. Her dedication to finding the best solution for me was evident throughout the entire process. Communication was seamless with Risha. She was responsive to all my inquiries, provided regular updates, and kept me informed of each milestone. Her transparency and honesty were greatly appreciated, as they fostered trust and made me feel like a valued client. I highly recommend Risha as a mortgage broker, especially for first-time homebuyers. Her expertise, professionalism, and genuine care for her clients make her an exceptional choice. With Risha by your side, you can navigate the mortgage process confidently and achieve your homeownership dreams. read more

I am thrilled to have this opportunity to share my experience working with Risha and her team for my recent mortgage application process. The level of professionalism, expertise, and responsiveness she provided were absolutely exceptional and made my home buying process stress-free. From start to finish, Risha and her team were always available to support us and answer any questions we had. Their prompt and courteous service made me feel comfortable and confident throughout the entire process. I was so relieved and grateful to have such a skilled and experienced mortgage broker working on my behalf. Risha's ability to close my loan in just two weeks was an incredible achievement, and it exceeded my expectations, specifically that my loan had been declined by a bank and I had only two weeks to close the loan or losing my dream house. Risha's attention to detail and extensive knowledge of the mortgage industry made the process smooth and efficient. I felt like I was working with a top-notch team that had my best interests at heart. Overall, I had a fantastic experience working with Risha and her team, and I cannot recommend her services enough. I have already referred my friends and families to Risha, and they have been equally impressed with her professionalism, responsiveness, and expertise. If you are looking for a reliable, trustworthy, and efficient mortgage broker, look no further than Risha Kilaru at OriginPoint and her team. Thank you for all your hard work, and I wish you continued success in your business. Sincerely, Taiebeh read more

Dear Risha, There are aspirations and then there are dreams...We are extremely delighted to say that you helped us to realize our biggest dream of life, i.e. 'Buying a home in the US, that too in Bay Area'...We got connected with you short while ago, but we felt like we had a working relationship with you since a while ago. Your friendly communication style and making people comfortable for their home buying situation is mesmerizing...I have no words to explain how deep your loan process knowledge is and how experienced you are in this Industry. Your Customer focused approach and 'Just get it done' attitude is simply amazing. You helped us by talking to the Selling Agent, convincing them to accept our offer, which was the major turning point in this deal. You ensured our first time home buying experience was flawless and absolutely zero load / pressure on us...Your knowledge on local property market, in-depth loan process awareness, 24x7 responsive service and never give up mind set will help anyone in need of buying home to realize their dreams ...You worked within our constraints and always gave us the RIGHT solution, patiently walked us through the details and ensured zero issues during the loan / escrow process. Your sense of urgency and complete accountability to ensure Customer success is awesome. May god bless you with all the success and wonderful things in life...We will surely recommend your service to any new home buyer in the US. With best wishes, Balu and Savitri read more

I'm a Transaction Coordinator and a licensed Real Estate Agent so I see many deals come across my desk. When I see Risha's name on the deal, I know it's going to be a "done deal"! When I see another lender representing the buyer, I always ask the agent "why didn't you use Risha?" Sometimes the buyer already has a relationship with another lender and when it comes time for docs and we're waiting and waiting for some big bank (whose name I won't mention) to step up and take control of the situation, I always remind agents..."you should of used Risha!" One thing that is loud and clear is...when you're #3 in the company...the reasons are obvious! Dedication; I see Risha here late at night working to get deals done. Knowledgeable: Risha knows her products and knows how to match them up with each buyer. Communication; Risha and her team stay in close contact with the buyers and agents and she will even call the other agent to keep them informed of the current status on the loan. (you're lucky to even get another Loan Officer to pick up the phone, let alone speak to you). I give Risha and her team 5 stars because, just like it says...Woohoo! As good as it gets! Thanks Risha! read more

We can't say enough good things about our experience with Risha at Origin Point! After our loan got tangled up with another lender, we were feeling pretty stressed about the whole process. We called our Rockstar Lender Risha at Origin Point in a panic and she truly turned everything around! From the moment we reached out, her team hustled to get our loan approved. Incredibly, they managed to secure our approval in just TWO HOURS! With a tight 14-day close on our dream Beach House, we were amazed by their efficiency and dedication. The communication throughout the process was absolutely superb. Every question we had was answered promptly, and we always felt like we were their top priority. Their customer service was nothing short of excellent--every team member we interacted with was knowledgeable, friendly, and genuinely invested in helping us succeed. Thanks to Risha and her Origin Point team, we are now the proud owners of our dream beach house! If you're looking for a reliable, responsive, and hardworking Lender to guide you through your loan process, look no further. Risha is the real deal, and we can't recommend them highly enough! L + S Pappas, The Pappas Team read more

I cannot express enough gratitude for Risha Kilaru's exceptional service as a lender and partner for my business at Compass. Risha has repeatedly proven herself to be an invaluable asset, particularly in navigating challenging lending situations. Her expertise and dedication have not only assisted me but have also helped numerous clients facing difficult circumstances. One of Risha's standout qualities is her ability to deliver results swiftly without compromising on accuracy. In the fast-paced world of real estate, her efficiency is truly remarkable. Whether it's crunching numbers, assessing financial situations, or finding creative solutions, Risha and her team consistently excel. Working with Risha has been an absolute pleasure. Her professionalism, attention to detail, and unwavering commitment to client satisfaction set her apart. I have full confidence in her capabilities and would highly recommend Risha to anyone seeking a reliable, knowledgeable, and efficient lending partner. Thank you, Risha, for your outstanding service and unwavering support. I look forward to continuing our successful partnership in the future. Gretchen S read more

I had the pleasure of working with Risha as my mortgage lender for our first home purchase, and I couldn't have been more pleased with her outstanding service. From start to finish, Risha was exceptional in every way. Risha's efficiency and dedication to her work were truly remarkable. She made the entire process smooth and seamless, guiding us through each step with ease. Her expertise and professionalism were evident throughout, and she addressed all our questions and concerns promptly. Buying our first home was a significant milestone, and Risha played a pivotal role in ensuring that it was a positive experience. Her quick response times, attention to detail, and ability to simplify complex matters were invaluable to us. She made what could have been a stressful process feel manageable and stress-free. I cannot thank Risha enough for her exemplary service. She is an asset to Origin Point, and I highly recommend her to anyone seeking a mortgage lender who is not only efficient but also genuinely cares about her clients' well-being. Thank you, Risha, for helping us secure our dream home! read more

Risha and her team at OriginPoint deserve 5 stars for their excellent service and speedy mortgage processing. I was referred to Risha by a friend and I'm so glad I contacted her when I was looking to purchase the property. The mortgage process can be daunting, but Risha and her team made everything incredibly smooth and stress-free. Risha was very knowledgeable about different loan options and helped me find the best rate and program for my situation. She took the time to explain everything in detail and was always available to answer my many questions. Risha and her team worked incredibly fast to get my mortgage approved and closed. The entire process took just 2 weeks, which is unheard of in this industry. I was preparing myself for a long and tedious process, but Originpoint had me closing in record time. I can't say enough good things about my experience with Risha and Originpoint . Risha's expertise gave me the confidence I needed through every step of the process. I highly recommend Risha and her team for an efficient, stress-free mortgage experience. Thanks Risha! read more

Recently, we closed on a 3 bedroom/2 bath single family home in Fremont, CA. We took a jumbo loan through Risha Kilaru at Prospect Mortgage and we are totally amazed with her service. She came up with a loan program that not only matched perfectly with our financial needs but also had an excellent rate. She helped us resolve a credit report issue that popped up when we were about to make an offer, and did a rapid rescoring to boost our mid FICO score back to normal! She kept us informed every step of the lending process. Moreover, she educated us thoroughly on the don'ts that will impact/delay the loan during the loan process (from loan application till loan closing). She waived the lender fees and also explained each and every single fee in the GFE and the HUD. She's extremely knowledgeable and trustworthy! We are totally impressed with her and her team's amazing speed. She helped to close the loan in just a few weeks! We can't thank Risha enough for making the painful process of obtaining a home mortgage enjoyable. We highly recommend her services. read more

Risha and her team are one of the best in the mortgage business. It was a real pleasure to work with them. Throughout the process, Risha stayed on top of the negotiations and ready to provide pre-approval letter. She was available to answer any questions that we had and was quick to get back to us and the selling agent with information, even when we called her on the weekends. She was courteous and professional throughout the whole process. We would have gladly given Risha and her team 10 stars if that was possible... for the service we got from them was worth a 10. She was always there to update us on the progress of the loan and to answer any questions or concerns we had. She is an expert at what she does and does it very well. Risha and her team made it possible for us to own a house in a very nice neighborhood. Throughout the process, she stayed on top of things and was very professional and courteous. It felt good to have her on our team. We will gladly work with her again and would recommend her to our family and friends. read more

My wife and I had a great experience working with Risha and her team when we purchased our house in Fremont last month. They helped us in closing our jumbo loan. We really appreciate their great help. Before we purchased this house, we took several months to find our house. Risha helped us on loan pre-approval from very beginning. We were very impressed with Risha's good service. So we still chose Risha helping on our load application this time. The results showing that our choice is correct. The whole loan process went very smoothly without any delay or trouble. She delivered on what they promised. Risha and her staff Shannon are really professional and nice. They explained in details about what documents or information we need to provide, patiently answered each question we had. Nice work! Thank you, Risha and Shannon, for all your hard work and assistance! We highly recommend Risha and her team if you are looking for a loan agent. I'm also looking forward to getting her help on my refinance application in the future. read more

Awesome work and a life saver. I have no words to describe but to say that I am really impressed with the interaction with Risha and her team. The overall transaction was smooth, quick, risk free, timely (in fact one week well within time), open communication and precise. To tell my long story short, I was denied loan by lender (MM). MM didn't close the loan even after 3 days past escrow deadline. Seller sent me notice to perform but I finally heard the loan was denied. After getting an extension to close within 2 weeks from the seller my deposit was in jeopardy. That's when Risha came to my help, reviewed my loan application personally within 24hours and promised me a loan to close. She asked for 2 weeks but finished within time. Her team was very helpful and guided me through the process openly and precisely. Very helpful team. I would recommend Risha to all of you my friends and at the same time I would stand behind my review to endorse Risha for any loan requirements. Trust her she will get it done. read more

Risha has earned her reputation and ranking in the industry. I was working with another loan officer and after 2 weeks, just when the offer was due, she told me that she could not do the loan. I was very disappointed and upset as I lost 2 weeks. I reached out to Risha and she reviewed my file, and in a few hours told me that she can get this done. I got into contract and she delivered on all counts. My loan was approved as promised, and I closed on schedule. I just wanted to point out that there are many loan officers out there that will promise you everything, but at the last minute have an issue with the loan and will blame the underwriter. Risha is the only one that has an underwriting background and will issue the pre-approval only if she is 100% sure, no matter how complicated the loan is. Once she says yes, you can sit back and RELAX. She has the name and the reputation and all agents know that if she is behind the deal, it will close Sanjeev read more

I recently refinanced my home in the East Bay though Risha & her Team (Lucy and Jason). All of them were very professional and always available to take my calls and answer my various queries (and I constantly engaged the Team so that I could understand all the facets of the refinancing process). The main reason I went ahead this Team was that Risha, in particular, was very thorough in guiding me through the pre-approval process. We spent about three hours on the tel over a week going through all the numbers, working out different scenarios and she was honest enough to tell me when and why my perspective was incorrect on certain assumptions. I do not like surprises in this process and she constantly set clear expectations throughout the process. She is very knowledgeable and extremely thorough in her thought process and explanations. I also got a very good interest rate through her firm. I will certainly work with her and Team for my next transaction. read more

One of my greatest frustrations with the major banks (i.e. Chase, Wells Fargo, BOA, etc.) and various individual brokers....was their inability to effectively prequalify me. They all wanted me to submit an application first...before telling me what my chances / options were. Risha was the only one who was able to get her Underwriter on speaker phone with me - even before I formally submitted my application.....in order to discuss the various scenarios & options. I must admit that I was not the easiest of clients - as I had some "hurdles" to contend with. But Risha was able to successfully negotiate with the lender(s) and tell me point blank what I had to do to get approved. Lucy, one of her staff, also coordinated with me very well. I would definitely recommend her....and of course also doing your own homework / educating yourself on the process so that you could ensure your own success. Risha is good but you also have to help yourself! read more

I was referred to Risha and her team through a real estate agent/mutual friend. I just purchased my first home and I was extremely nervous. I felt that throughout the entire process Risha's office was there to help me. I had some difficulties with the agent I used and they helped me get through the paperwork and understand each step as we came to it, which went above and beyond their responsibility. Risha and her whole team (Neetu, Shannon, & Ashley) made this such a wonderful process that I would recommend them to everyone! They are very prompt in returning emails, and I think I only had to leave a voicemail once! In the whole 3 month process! Any question I had regardless of frivolity was answered with sincerity and understanding. Risha called me personally to tell me my loan had funded and was just as excited as I was. Also, they got me an amazing rate!!! Which is just a bonus to working with their office. read more

Five Star is not good enough for Risha and her team. I wish I can give another extra five :) . I was referred to Risha when other lender had some hiccup for my purchase loan at the last minute(close date was due in two weeks). Before I talked to Risha, I am concerned that my purchase might fail because we can't close on time. But after I talked to Risha, I immediately knew I am in the right hand and felt peaceful. The whole team is very professional and quick. I was very impressed that they put everything together in one day. They were incredible diligent and kept me informed on all the steps in timely manner. Things were so simple and easy with Risha and the team. They successfully close the deal for me on time. Words can't express how much I appreciate Risha and the team for the incredible job they have done. When I got my new house key, I really want to shout to Risha and the team two words. "You ROCK" read more