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Kristin Richmond At RMS & Associates NMLS#168397
Since 1996, TENS OF THOUSANDS of homeowners have turned to the Professionals at RMS to make the "last mile" of home ownership as simple and straightforward as possible. From helping prepare your initial paperwork through settlement on the home of your dreams, you can trust that RMS has you covered.

RMS is an independent, privately held mortgage bank and direct lender of residential mortgage products, and our loan specialists have direct access to a full spectrum of integrated loan processing, underwriting and direct lending services - all under one roof.
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Celebrating twenty years as mortgage bankers, we're grateful for your partnership and proud to serve our community. Employing only the finest professionals and providing the lowest rates and fees remains the foundation of our company.

RMS is a licensed mortgage banker whose objectives remain to combine the highest level of service, cutting edge technology, diverse mortgage products and competitive interest rates expected from a large bank with the personal attention of a proud community lender.This site is directed at, and made available to, persons in the continental United States, Alaska and Hawaii only.
Yessenia Alfaro has been in mortgage lending since 2001, and her passion is in educating her clients on all their options concerning down payment assistance programs and loan programs. Yessenia finds helping her clients extremely rewarding as she guides them to realize their homeownership dreams. Yessenia walks through the home-buying process with every client, every step of the way.
If you do not wish to be contacted, please let us know and you will be placed on our company's Do Not Call List and, if you request, our company's Do Not Email List. Send your request to customerservice@rmsfunding.com or contact us at 702.796.3453. For security purposes, please do not disclose any confidential or sensitive information in the fields below.
Reviews (12)
Marie L.
Marie L.
Sep 24, 2020
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Kristen is the BEST!! I'm a first time home buyer and she has been there for me every step of the way!! Answers all my crazy questions and makes me feel like I am her only client . Highly recommend her.
JoAnna K.
JoAnna K.
May 28, 2020
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RMS and Kristin Richmond exceeded all my expectations. This is the second go round with this company AND the remarkable Kristin Richmond.
Mrs. Richmond made this refi about as hassel free as it could possible get. From the inception, EVERYTHING, and I mean EVERYTHING was clear, concise with no hidden agenda. Easy Peasy. Why can't there be more individuals/companies out there, like RMS and Kristin Richmond, that walk you thru all the nooks and crannies, explaining everything with such ease that you understand what is and what will be transpiring throughout the process.
I can't stress
Olga Brambila
Olga Brambila
May 07, 2020
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Thank you Yessenia Alfaro and team for making our home ownership a reality!! I will be forever grateful.
Gisela Barrera
Gisela Barrera
Apr 04, 2018
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RMS is a great company, Randy Lovstuen is outstanding, he went above and beyond helping me with my loan, he is friendly, professional and just a kind human being, he is a very dedicated individual who works for his clients and follows through on every part of the process. Randy is extremely knowledgeable. Thank you Randy for all your help!!!
Yeney Perdomo
Yeney Perdomo
Jan 27, 2018
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Alma Perez and her team did an excellent job throughout the loan process. Thanks to her and her team at RMS I got the house of my dreams. Thanks!
Pati M. Jimenez
Pati M. Jimenez
Dec 20, 2017
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The service was excellent, exceptional, and professional from beginning to end! Donna dealt with me with great patience, especially when I was not providing necessary documents promptly! Elizabeth is very sweet, and personable! Overall, I am very pleased to be in my condo so quickly! The staff members at RMS that I met, were great, including the receptionist, clearly they are an example of the behavior of those in top positions with RMS! .
Jay Luce
Jay Luce
Dec 20, 2017
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Thank you all for all the hard work you did to get us home. Words can't explain the passion and effort you have all shown throughout this process. We have learned so much in just the short time with you all. We couldn't be more proud and appreciative of this experience and will take it with us always! From the bottom of our hearts, THANK YOU!!
Ashley B.
Ashley B.
Sep 25, 2017
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If you are looking for an amazing mortgage lender- look no further! Buying a home is one of the most exciting and nerve-wracking purchases you will make in your lifetime. Finding that right person who not only cares about YOU, but is extremely knowledgeable on the process from start to finish is hard to find- until now. Kristin is absolutely phenomenal!! From the moment you talk with her you will find her personality genuine. She's smart, punctual, caring and actually returns calls and emails!

First time buyer? She'll find you all the great programs to get you the most savings.

Bad
Bri M.
Bri M.
May 16, 2017
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Kristin works really hard and made sure the loan process is smooth and no surprises. Kristin offer the conditional underwriting approval at the beginning of the loan process so there are no hold up. I appreciate that as a new mom she answers her phone in the evenings and even on weekends ! Constantly keep us in the loop.
Joe D.
Joe D.
May 03, 2017
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Kristin is the best! We wanted to make an offer on a home that we knew would go quick. She helped us out on a Sunday (afterhours) and we were able to make an offer and eventually purchase our home. Since this is our first home, she explained everything in "English" terms so I would understand it. I Highly recommend her for your lending needs. Thanks again Kristin for all your help. Its well appreciated
Arnie Placido Barretto
Arnie Placido Barretto
Mar 25, 2017
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Great mortgage experience with RMS c/o Kristin Richmond. They did it fast and easy to deal with. Very PROFESSIONAL !
Debbie Fox
Debbie Fox
May 17, 2015
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Been with RMS for almost 11 years & live everyone I work with!!!!!