Ritchy Haynes began in the mortgage business back in 2005 and has thoroughly enjoyed helping people obtain their dream of home ownership. With an in depth knowledge of all mortgage products from first time home buyers to jumbo loans, he is a very driven individual that strives to meet and exceed the expectations of my colleagues, every one of my clients and my friends, by offering insight, training and tips towards their mortgage and credit approval process. Having ran a referral only business for over a decade, he prides myself on making the home buying or refinancing process as smooth as possible. His goals include educating clients on entire process providing all loan options at that time and comparing and discussing the differences among them. He is also the five-time recipient of Five Star Mortgage Professional award, given to top 7% of mortgage professionals, based on third party feedback from home buyers.