A Targeted Process That Gets You Into a Home

Financial Review
Review and Prequalification to get you going

Shopping a Loan
Identify the best loan package for you

Down Payment Assistance
Loans and grants that help get you in

Qualified Mortgage
Loans the meet federal guidance

Non-Qualified Mortgage
Loans that cover other situations

Mortgage Refinance
Get a better rate or just cash you need

Future Plan
Understand your asset and what it can do down the road.

Partners In Your Journey To Homeownership
Many think home ownership is out of reach. We can help make it happen. True a home loan is not a guarantee and getting one can be tougher than you think. There are so many things to consider and the space is confusing at best. However, the right team can make all the difference. We are a team of experienced mortgage professionals committed to helping you achieve your dream of homeownership.
We guide you every step of the way with personalized service, clear communication, and a range of loan options. Our mission is to make home financing simple, fast, and affordable.
- Can do, Mission focused attitude that finds a way
- Veterans that are Certified Veterans Lending Specialists
- Experience that produces results
- Fast approvals and smooth closings
Your Home Starts Here with Us
At Down Range Mortgage, we help you navigate the home loan process. We are clever in our approach producing some unique results where others fail. We look at your situation and help target your dream home. Our large network of WHOLESALE LENDERS allows us to not only shop the loans for you but also place lenders in competition for your business. Whether you’re a first-time homebuyer or a seasoned home purchaser, we take the time to understand that this is likely the largest purchase you will ever make and you need to be more than just another client.
We appreciate what you and your family have sacrificed to get here and will throw all in to help make it happen. We believe in keeping things simple with honest advice so you always know what’s happening and what comes next. Our services include; Conventional, FHA, VA, USDA, and Nonqualified Mortgage home purchase loans. We do mortgage refinancing and have access to a host of Down Payment Assistance programs that are repayable or even grants. We work closely with you to secure the best possible plan. You will love the difference we can make.
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Products and Services
Mortgage Services
Mortgage Services
From loan consultations to rate quotes, we offer personalized mortgage solutions to match your financial goals and homeownership plans.
Learn MoreHome Purchase
Home Purchase
We guide you through the entire home buying process, from pre-approval to closing, with simple steps and expert support.
Learn MoreConventional Loans
Conventional Loans
The most common type of loan at nearly 80% of all loans. It has 3% down for first-time home buyers. There is more latitude and competition in this space so lenders can get aggressive.
Learn MoreFHA Loans
FHA Loans
This is a great loan for first time home buyers. It has 3.5% down, low rates, flexible credit terms and is much easier to qualify for. Its backed by the government.
Learn MoreVA Loans
VA Loans
This loan is for Veterans and active military members. It has 0% down, low rates, no PMI and is protective of the veteran. Its backed by the VA.
Learn MoreUSDA Loans
USDA Loans
Designed for rural areas this loan has specific income requirements, 0% down and low rates. Funding can run out but if qualified for it can be very lucrative.
Learn MoreNon-Qualified Mortgage Loans
Non-Qualified Mortgage Loans
When the standard loans don’t work there are a bunch of other ways that just might. If you want a home don’t give up.
Learn MoreMortgage Refinancing
Mortgage Refinancing
Refinance to lower your rate, reduce payments, or access home equity, custom solutions designed to improve your financial situation.
Learn MoreHome Loan Grants
Home Loan Grants
We can bring in Down Payment Assistance programs to help pay your down payment and closing costs making buying a home much more affordable.
Learn MoreServices We Offer

VA Loans
Empowering all veterans with zero-down loans and low interest rates to achieve homeownership.
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Home Purchase
Simplifying the best home buying process with expert advice, pre-approvals, and smooth closings.
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Mortgage Services
Offering expert mortgage consultations, pre-approvals, and personalized support throughout your home financing journey.
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FHA Loans
Affordable loans with flexible terms, perfect for first-time buyers and with lower credit.
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Home Loan Grants
Helping you access grants and programs to reduce down payments and closing costs.
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Mortgage Refinancing
Refinance your mortgage for better rates, lower payments, or to unlock home equity.
Contact UsHere are the answers to the frequently asked questions
Here is What Our Client Says About Us
Working with Richard was one of the best decisions we made during our home buying journey! As first-time homebuyers, we had no clue where to start when it came to securing a mortgage, but Richard made the entire process manageable for us.
EM
Emily Moss
customer
I recently had the pleasure of working with Richard as the buyer’s agent for his client. Richard stayed very focused throughout the process, aiding and answering questions along the way. It would be great if ALL closings went this smoothly! I highly recommend Richard Lightle for your lending needs!
CD
Cheri Dickson
customer
I’d give 10 stars if I could! Rich and his team are quite literally miracle workers. They were able to help us close a nearly impossible purchase; after a year and a half of the hardest months of our lives, we are now owners of our dream home! A million thank yous!
NH
Nicole Henn
customer
I’m a Vet and served my country proudly. I work hard and make a good income. We had outgrown our apartment and I wanted a good neighborhood for my son to grow up in. But like so many others, COVID was not kind to us and a business move was expensive. My credit had taken a hit. I was shocked at the way mortgage lenders treated me like a second-class citizen. No one would help. My Realtor, because she won’t take “No” for an answer, suggested I fire my Loan Officer and engage Richard. Richard is a vet too and we immediately understood each other. He told me “I got you brother” and went to work. I don’t know how many lenders he went through, all I know is that I now own a home. He treated me with respect and dignity and he delivered.
BP
Brian Parsons
customer
If your looking for someone too help you buy a home I highly recommend Richard Lightle and Melissa they truly care about you . They helped me every step of the way Richard worked miracles to get me and my family a home with help of Melissa who walked me through it all I will definitely use them when I refinance in the future . Thanks agin for all y’all done.
Jn
Joe newbold
customer
Richard was incredibly knowledgeable in addition to being kind and patient with us. It can be a nerve wracking experience but every time we thought we hit a bump in the road, Richard would explain the process simply for us so that we would not worry and he would assure us that it was all a normal part of the process. We definitely recommend Richard with Down Range Mortgage and we will use him again in the future!
NM
Nichole Magner
customer
Richard and his partner Melissa did whatever they had to in order to get us a home. They fought hard and never gave up though it seemed bleak at times. Many people wouldn’t have helped us either since we were not looking for an extravagant home. I plan on refinancing with them in the future.
LV
Lori Vail
customer
5 Stars for Richard Lightle: As a first-time homebuyer, there was a lot to learn about the mortgage process. Enter Richard Lightle, a true mortgage magician who made my dream of homeownership a reality! From the moment I contacted Richard, I felt a sense of ease and confidence. He took the time to explain everything in detail, answer my endless questions patiently, and guide me through each step with professionalism and genuine care. He never made me feel rushed or pressured, which was invaluable for someone navigating this process for the first time.
GV
Guaranteed Victory
customer
Richard and Melissa are the dream team! Made our buying process feel like a breeze. Answered any of my questions with a quick response. Very honest people and only want the best for you. Truly amazing humans super grateful that we got the privilege to cross paths with them. It has been a pleasure working along him.Thank you for your service Mr.Richard.
YG
yadira grimaldo
customer
If you are looking for a mortgage broker that will go above and beyond to help you get into a home, reach out to Mr. Richard Lightle. He was available every step of the way to help with any questions that I may have had. Would highly recommend him to anyone looking for a home.
KM
Kelly Marie
customer
Bringing Professional Care to Your Door
Our values of respect, integrity, and excellence guide everything we do. We believe in treating every patient like family, ensuring their comfort and dignity while delivering high-quality healthcare services.

Our Vision
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Our Mission
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Have questions or ready to get started?
We’re here to provide expert guidance and support throughout your home loan journey. Contact us now to explore your options!

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