© Client Direct Mortgage
Client Direct Mortgage helps homeowners and buyers refinance smarter with fast approvals, flexible options, and real, personal support. Veteran and first-time buyer friendly. Over 22 years of trusted experience.
Let’s Make Your Dream Home a Reality with Flexible Financing
Fill out the form to explore better mortgage terms without the hassle. California homeowners love our streamlined process.
Fastest Home Refinancing & Credit Solutions From a Trusted Expert
With 22 years of trusted expertise, we help California homeowners access the best refinancing deals. From first-time buyers to veterans, we make homeownership dreams affordable and accessible and fast approvals.
Approvals in 3–5 Days
Over 22 Years of Experience
Veteran-Focused Support
First-Time Buyer Friendly
Book Your FREE Consultation Today
100% Privacy Guaranteed
We make home loans simple, fast, and transparent so you can move forward with confidence.
WHY CHOOSE US
Quick Closings
Our streamlined platform helps you close fast so you can get home even faster.
Low Down Payments
Put down as little as 3% on fixed-rate loans. Ask us about options with lender-paid mortgage insurance.
No Hidden Fees
What you see is what you get. No surprises, no fine print, just full transparency from start to finish.
HOME REFINANCING
Whether you're looking to lower your mortgage, tap into equity, or switch to a more stable loan, we make refinancing simple. With fast approvals, no hidden fees, and expert support, we help you save without the usual hassle. We cover the technical costs and work quickly to secure the best terms. You'll get honest guidance, flexible options, and a smooth path to a better financial future.
Refinancing with us means a personal approach. We take time to understand your goals, whether it's paying off your home faster, consolidating debt, or freeing up cash. We've helped first-time buyers, families, and veterans make smarter mortgage decisions.
OTHER SERVICES
From first-time buyers to seasoned homeowners, we offer a wide range of flexible loan solutions to match your goals and financial situation.
TESTIMONIALS
Margaret C. O'Connellll
Rick helped me with my home loan. I have always refinanced using a 30-year fixed because of habit. Rick was able to offer the 10/1 ARM,, and at the time his rate was a full percentage point less than the 30-year fixed. The 10/1 arm saved me about $200 per month. Rick showed me an amortization table where I could use my monthly savings to add as an extra payment each month. This helped me pay down my mortgage faster. He is very knowledgeable and cares about his clients. I give my highest recommendations.
When buying a home, refinancing,, or taking out a home equity loan, your lender is a key component. Rick Wipf will guide you through the process, match you with the loan program that best fits your situation,, and make sure the loan closes without any hiccups. For quality service, good value,, and professionalism, let Rick Wipf be your go-to for lending.
Cheri Luckhardt
Meagan Holub
I called Rick to get information on purchasing an investment property. Through the process, he was always responsive and provided such valuable information. I highly recommend him to anyone looking for financing on a property.
Rick has been super helpful and very knowledgeable about the whole loan process. Highly recommend talking to Rick if you need advice about your real estate portfolio.
Shahbaz Khan
ABOUT RICK WIPF
With a strong focus on service and results, Rick Wipf is committed to making your mortgage experience smooth, transparent, and rewarding. He offers access to competitive rates and a full range of loan products to fit your unique needs.
Rick takes pride in providing prompt, professional guidance with ongoing support even after your loan closes. His goal is simple: to earn your trust, exceed your expectations, and be your go-to mortgage expert for years to come.
HOW IT WORKS
Fill Out the Form
Begin by providing us with some basic information through our user-friendly form.
Fast Processing
We handle the paperwork, cover the tech costs, and get your loan moving.
Approval in Days
Most loans are approved within 3–5 business days. Simple.
