We’re Valerie and Richard DeSpain—a husband and wife team with over 15 years of experience in the mortgage industry, and a mission that goes beyond home loans.

We help homeowners, just like you, unlock the hidden power in their homes.

Whether you’re facing a costly repair, drowning in high-interest debt, dreaming of a renovation, or looking to start investing in real estate—your equity could be the key. We’re here to show you how to use it wisely.

Our journey began with a shared passion for service, strategy, and solutions that last. Richard is your numbers guy—deep in the trenches of loan structuring and creative finance. Valerie brings the heart, communication, and business development power that keeps everything (and everyone!) moving forward.

Together, we’ve helped hundreds of families across Arizona find peace of mind, financial freedom, and a clearer path to long-term wealth.