"Richard made the entire process feel clear and manageable. He was always available, explained every option, and genuinely cared about getting us into the right loan."
G 4.5 ★★★★½ (150+)
Richard Maratea
Loan Originator · NMLS# 704339
How can I help you?
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A steady hand for your next move
Mortgage Guidance Built Around You
Hello! I'm Richard Maratea, a Loan Originator with over 20 years of experience in the mortgage industry. I bring deep knowledge and a client-first approach to every situation, with a focus on clear information, practical solutions, and guidance tailored to your goals. Over two decades I've worked with thousands of homeowners across a wide range of financial needs. I take the time to understand your unique situation and provide honest guidance so you can make informed decisions with confidence.
01
My Background
Over two decades of mortgage experience working with thousands of homeowners across a wide range of financial needs.
02
My Approach
Honest, tailored guidance so you can move forward with confidence.
What you can expect
Clear communication
Reliable guidance
Solutions tailored to your needs
A smooth, efficient process
Helpful Mortgage
Tools & Resources
Start with the path that feels right for where you are today.
Your equity, working harder
Transform your home's value into cash.
Access your home equity with a HELOC or fixed-rate second mortgage, without refinancing your first mortgage.
Keep Your Current Rate
Leave your existing first mortgage untouched.
Flexible Access
Draw funds when you need them, pay back on your schedule.
Clear Guidance
I'll walk you through whether a HELOC or fixed second fits better.
Home Loan Products
Popular Home Loan Products
The four areas I work with most, and where the right guidance makes the biggest difference.
Kind words from clients
Richard's Reviews
Your next chapter starts with a conversation
Informed decisions.
Stronger futures.
Guiding you with knowledge and care, every step of the way.
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- Have a rough idea of your goal and timeline
- No documents needed for the first call
- Questions before then? Text or call 646-397-6191