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Richard McChinak, Loan Advisor

Loan Advisor

Richard McChinak

NMLS #1269985

Loan Advisor • Santa Rosa Branch


Phone: 707.708.2500
Cell: 707.292.5866
Fax: 707.581.2018
Licensed in CA

About Richard


 Local Sonoma County resident specializing in Residential Mortgages & property development. My goal is to get to know my clients- to understand their goals and life plans, and prioritize accordingly.

The value of trust cannot be underestimated. It must be earned through honest communication, consistent follow-through, transparency, and respect.

And when it comes to making one of the biggest financial commitments of your life, it’s important that you have complete confidence in your mortgage advisor. With your interests in mind, I can help guide you through what can be a complicated process and provide you with mortgage solutions you will feel confident in.

My philosophy is simple. I will never recommend a mortgage solution to my clients that I would not feel comfortable offering to my mother or best friend. My utmost goal is to earn your trust so that you feel confident throughout the entire loan process.

At the heart of everything I do is my family and friends are simply the family members you choose.  I partnered with American Pacific Mortgage because I can rely on their 20 years of experience to make the difference for my clients. And with their game-changing loan programs, specialty products and award-winning tools at my disposal, I can make your dreams a reality.

"People don't care how much you know until they know how much you care"
-Theodore Roosevelt

Branch Address:120 Stony Point Rd, Suite 250, Santa Rosa CA 95401

Free Resources

First Time Homebuyer Checklist

This easy-to-follow First Time Homebuyer Checklist includes important information and worksheets to prepare you for buying your first home.

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Which Mortgage Loan Suits Me?

There are many mortgage loans to choose from, so it’s important to choose one that fits your circumstances. This quiz can help you decide between various loan options.

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5 Step Roadmap of the Home Loan Process

We mapped out the home loan process to provide you with the knowledge you need to navigate this exciting journey.

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Am I Financially Ready to Buy My First Home

This guide covers the most common financial questions asked when buying a home and is often needed to be financially ready. You may be ready to buy a home sooner than you think.

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Avoid These Mistakes When Buying Your First Home

Download our Tipsheet and you can steer clear of the most common hurdles along your path to homeownership.

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Insider’s Guide to Government Loan Options

In this guide, learn if you qualify for a government home loan for benefits that often include attractive interest rates, low down payment options and more lenient qualifying guidelines.

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Thanking our Servicemembers: Your Guide to a VA Loan

In this guide, you will learn why VA loans are a great option for homeownership for active members and veterans in our armed forces.

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Home Buyer Blog