GUIDING BAY AREA HOMEBUYERS FOR OVER 40 YEARS

MPR Mortgage has decades of local lending experience, a trusted reputation, and thousands of successful closings.

In a competitive market like the Bay Area, experience matters. MPR Mortgage has helped local residents buy and refinance homes for more than 40 years. That kind of history brings more than knowledge. It brings credibility, reliability, and the confidence that comes from working with a team known for getting loans closed. For buyers competing in multiple-offer situations, choosing a respected local lender can make a real difference with sellers and listing agents alike.

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First-Time Home Buyers

Buying your first home? We offer the guidance you need to get started.

Mortgage Walkthrough Guide

Get educated! Learn exactly what occurs in every step throughout the mortgage process.

Mortgage Calculator

How much can you afford? What does that monthly payment look like? Find out here.

Home Loan Options

We’re here to help you figure out which mortgage best fits your unique financial picture.

MPR Mortgage

MPR Mortgage is a family owned and managed mortgage brokerage firm founded in 1980 by Mel Paul Riccardi. He brought years of Bay Area real estate lending experience to the company and helped develop the critical role a mortgage broker plays in the home buying process.

In its 40 year history, MPR Mortgage has grown into one of the Bay Area’s most trusted and respected brokerage firms. Our long history and experience in the community have driven strong relationships with numerous financial institutions. These solid, long-standing, connections enable MPR to offer clients an array of mortgage products while maintaining our unique and trusted personal service.

We are committed to maintaining the family business principles upon which Mel founded MPR– foremost among them our unparalleled focus on the quality of our clients’ experience. Like any family the MPR team can be found in our Solano Avenue offices, eating lunch together, with an open door to our clients.

Schedule a Call

Get started by using one of our FREE tools!

Why work with us?

With over 40 years of experience, MPR Mortgage combines trusted lending expertise with personalized, family-driven service. We’re committed to making your mortgage process simple, strategic, and stress-free.

  • Family-owned and operated since 1980
  • Deep Bay Area lending experience
  • Strong lender relationships
  • Competitive loan options
  • Personalized, one-on-one guidance
  • Clear and transparent process

Schedule a Call

How the process works

1

Documentation

There are a few critical documents we will need to verify to start your process.

Learn More
2

Appraisal

The appraisal ensures the home you are buying is worth the price that is being offered.

Learn More
3

Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.

Learn More
4

Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.

Learn More
5

Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.

Learn More
6

Closing

Signing the final documentation and receiving the keys to your new home!

Learn More

What My Clients Say

“
Barbara B.Yelp Reviews

“Lydia guided me through the loan application process and found a great rate. Communication was great. Phone calls and emails were responded to quickly.”

“
Todd F.Yelp Reviews

“Tom and his team did an amazing job helping my clients get the best financing possible for their home purchase. Everyone communicated in a timely manner, were thorough, and knowledgeable. I would highly recommend using their services.”

“
Erin W.Yelp Reviews

“I am so glad we went with MPR financial for our home loan. In an introductory call, Tom took the time to educate us on our different loan options which resulted in us choosing a home buying path we hadn't even thought of. He's extremely knowledgeable and also just a really friendly person to work with on top of it. His team made everything very simple and easy. I could not recommend Tom and MPR more highly.”

“
Poornima V.Yelp Reviews

“Very responsive to questions during the process and helpful to someone new to the process!”

“
Kristie K.Yelp Reviews

“Working with MPR was such an easy and positive experience. Lydia and Rhea were on top of it! We closed even sooner than expected thanks to their hard work. I didn't have to worry about a thing. I highly recommend their services.”