Hi! I'm Richard Schultz and I'm a Mortgage300 Sr Loan Officer in Denver CO. I'm here to provide expert mortgage advice and bring you home faster.

NMLS ID: 389049
Learn more about Richard Schultz

My goal is to exceed my clients’ expectations, to deliver on the trust I’ve been given with their home financing. I strive to provide a professional, honest and efficient experience from start to finish, setting proper expectations, over communicating status and guiding my client through the process to a smooth closing. By listening to my clients’ needs and desires, I structure the best overall financial picture to match their mortgage goals. It’s an honor to work for you!


Recent Posts

Updates from the M300 Blog
Holiday Gift Guide: 10 Ways to Give Experiences Instead of Things
Who doesn’t love getting gifts during the holidays? The anticipation of the surprise, the thrill ...
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Hurricanes Harvey and Irma Impact Home Sales
Between late August and mid September, Hurricanes Harvey and Irma hit the U.S., leaving unprecedented ...
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To Renovate or Not To Renovate?
Home renovations that boost your home’s value The time comes in every homeowner’s life when ...
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Savings Basics: How to Stop Spending and Start Saving
Back to school can be a drain on your bank account, especially after a summer ...
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Home Values Zoom Past Pre-Recession Peak
After feeling the effects of the housing crash for nearly a decade, home values last ...
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Housing Market Lookback
What’s new in the housing industry? Here’s a quick look at the biggest news and ...
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Find the Perfect Loan

If there is a mortgage product that you need, Mortgage300 has it!
I need a loan above $453,100.
I'm looking for a short term loan.
I want the lowest interest rate available.
I don't want to worry about my interest rate going up.
I want to live in a rural area.
I am a military veteran or actively serving.
I don't have a lot of money for a down payment.

Clear Answers to Common Questions

From start to finish, our team will go above and beyond to ensure all your questions are answered.
What are the common fees through the mortgage process?
What is the difference between a Mortgage Broker & Mortgage Banker?
What is a Rate Lock or Lock In?
What is a Loan To Value Ratio (LTV)?
What are Discount Points (or Points)?
What is the difference between Interest Rate & APR?
What are the steps in the Mortgage Process?
What is a Truth-in-Lending Disclosure and why do I receive it?
What is Private Mortgage Insurance (PMI)?
How does an escrow account work?

Why I choose to work for
Mortgage 300

Mortgage300 is always on the forefront of new loan programs and has a focused investment into cutting edge technology to ensure a fast, efficient transactions that serve my clients better.
Our company’s revolutionary business structure means I am in control of the mortgage deal, from start to finish. My processing and underwriting departments are right on site and that gives us a unique advantage in getting loans closed quickly and efficiently.
I'm uniquely vested in your mortgage experience being a success, because when you work with a Mortgage300 partner you are truly working with the owner of the company.


In short, "I work for Mortgage300 because they empower me with authority, tools and an expert team to offer consistent, best in class service - and this brings my clients back again and again!"