About us

People before paperwork. Since 1999.

Richard Tocado built this company on a simple idea: tell people the truth, find them the best rate, and treat every client like family. Two and a half decades later, that's still how we work.

Get My Mortgage Quote Call (704) 800-4719

The short version

Richard Tocado has been in the mortgage business for 25+ years. He leads a team of seasoned loan officers based in Charlotte, NC, who together have helped thousands of homeowners and buyers — first-time and experienced — find the right loan and the right rate.

Richard has been mentioned on national radio. Over the years, the firm has served as a corporate partner for an NBA team and a NASCAR sponsor — but the work that matters is still the work that happens one phone call at a time.

Today, Richard Tocado Companies offers purchase loans, refinance, FHA, VA, USDA, jumbo, rehab, first-time buyer, low-down-payment programs, investment property financing, and HELOC / second-mortgage solutions. We work with clients across the Carolinas and beyond.

What we believe

Mortgages should feel simple, fast, and honest.

Plain English

No jargon. No pressure. We'll show you the math, the trade-offs, and the actual best option for your situation.

Local accountability

We live and work in Charlotte. When you call, you get a real person who knows the local market.

Truth over upsell

If now is not the right time to refinance, we'll tell you. If a different loan fits better, we'll point you there.

Founder

Richard Tocado

Richard founded the firm in 1999 and has personally guided thousands of clients through purchase, refinance, and equity decisions. He's been a featured voice on national radio and built long-running partnerships in sports and community spaces — but his proudest stat is the number of repeat clients and referrals.

NMLS #38652

Reach Richard's team