RFuller@Houseloan.com
970-704-6440
Richard Fuller
Buying a home or exploring a refinance? Connect with Richard to talk through your goals, ask questions, and explore your next steps.
Meet your loan officer
About Richard
Richard Fuller has the heart of the teacher and loves to educate his clients to meet their financing needs.
With over 20 years of lending experience, Richard knows the importance of a consultative approach when it comes to helping clients with their financing needs. He works closely with customers to understand their goals, and ensures they understand all of their options so they can find the mortgage program that’s right for them.
Richard takes great care of clients by offering personalized, attentive service and clear, transparent mortgage guidance. With his down-to-earth personality and sincere thoughtfulness, Richard is a welcome presence during the home-financing process for both customers and industry peers.
Growing up in Gunnison, Colorado Richard graduated from Western State College with a business degree and received his MBA from the University of Montana. Richard started his professional career with a local bank in 1997 and served as President of a major branch office with that bank for 14 years.
He transitioned to residential lending to better balance his commitments to his family at home with his family at work. In October 2014, he made Cornerstone Home Lending his professional home because the company’s mission aligned with his personal purpose: To make a positive difference in the lives of others.
When he’s not helping clients achieve their homeownership dreams, he spends time with his wife and daughter, Grace, exploring as much as possible. Richard also enjoys outdoor activities including biking, fly fishing, camping, skiing, and snowboarding. He also explores his creative side with black and white photography.
He his dedicated to his local communities and has spent countless volunteer hours over the past 20 years with numerous non-profit organizations through the Carbondale and Roaring Fork area.
What clients say about Richard
Hi, Richard with Cornerstone Carbondale has helped me with several properties and consistently makes the financing a seamless issue as well offering options if needed, very grateful for his professional service!
After interviewing 3 potential lenders we chose Richard with Cornerstone. I liked that Richard was always available, he kept things simple and straightforward, and found the right loan for our financial situation. The bonus is that he has been in this community for a while so it feels good to keep it as local as possible
Richard was fabulous He was always available and most helpful
Richard was very knowledgeable and helpful with my unique situation after a divorce. I’d highly recommend Richard, and Cornerstone for quick, clear service and results.
Richard at Cornerstone made the lending process very easy and we would recommend him to anyone looking for mortgage assistance.
Working with Richard was an easy experience from start to finish. Everything was clear, organized, and handled with professionalism and care. At one point, I even asked about exploring other options for a lower rate, and instead of being offended, he responded with clear, honest, and helpful feedback. That level of transparency built a lot of trust and showed he truly had my best interest in mind. I truly felt supported the entire way through. Highly recommend to anyone looking for a smooth and trustworthy home loan experience.
Richard is great. He has helped me with many loans for my clients and for my own loans. It is always a smooth transaction with no surprises. The loan application is easy and the communication solid. Thanks Richard
Richard is the best! He is so helpful, clear, and responsive. Thanks to him and his team!
I highly recommend Richard Fuller at Cornerstone Lending to any first time home buyer - he was very helpful explaining every step of the process along the way and had great attention to detail catching mistakes others didn’t. Really earned my trust!
Richard Fuller was amazing to work with! Made our home purchase so easy and convenient. We will definitely use Richard and Cornerstone again and will recommend him to family and friends.
Let’s connect
Contact Richard
Share a little about your plans and how to reach you.
Office locations
Unit 11
Carbondale, CO 81623
Suite 700
Houston, TX 77027
Mortgage insights
Helpful guidance for buying a home, financing your next move, and understanding your mortgage options.
Homebuying FAQs
Purchasing a home enables you to receive tax benefits while building equity that you can cash out in the future. Owning a home also gives you the opportunity to truly personalize your space.
Yes! Prequalifying first can help you save time and effort before you get too far into the process. You will know upfront how much home you can realistically afford. It also lets real estate agents and sellers know that you’re a serious buyer, which can be an advantage when making an offer.
Your lender will consider a number of factors when determining your maximum loan amount. Some of these include your debt-to-income ratio (how much of your monthly gross income goes toward paying debts), cash available for down payment and closing costs, and credit history.
Your loan officer will work with you to determine which loan product benefits you. They will review your current finances and future financial goals. Your loan officer will also consider factors like your target monthly mortgage payment and how long you plan to live in the home.
A fixed-rate mortgage has an interest rate and payment that stay the same over the life of the loan. With an adjustable-rate mortgage, the rate can either increase or decrease, based on market factors. The monthly payment can also go up or down based on the rate adjustment.
A conventional mortgage is a home loan that is not offered or secured by a government entity (like FHA or VA). Conventional mortgages typically conform to the loan limits set by the Federal Housing Finance Administration (FHFA) and are eligible for purchase by Fannie Mae and Freddie Mac (the two government-sponsored enterprises that guarantee the majority of mortgages in the U.S.).
Unlike government loans like FHA, VA, and USDA, conventional loans can be used for more property types (primary residences, second homes, and investment properties). In addition to the popular 30-year fixed conventional loan, there are also more choices for loan structure, including 15-year or 20-year terms and adjustable-rate mortgages.
Ready to find the loan that fits your life?
It starts with a conversation, not a commitment. Connect with Richard today.
