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Born and Raised in Texas , Richard Caldwell is now firmly rooted in the South Texas , where his dedication to family and community shines. When he’s not leading in the financial industry, you might find him enjoying time with loved ones, exploring the outdoors, or engaging with his local community. But don’t let his approachable demeanor fool you—Richard is a seasoned expert in his field. With over 29 years of experience in the financial services industry and 25 years in leadership roles, Richard is a trusted authority on all things finance.
A graduate of Texas A&M University-Kingsville, where he earned a Bachelor’s degree in Business with a major in Finance, Richard has a unique ability to navigate the intricate world of financial solutions. His extensive leadership background has equipped him to see opportunities and strategies others might overlook, helping countless clients achieve their financial goals.
Richard’s passion for innovation and his commitment to staying ahead of industry trends have made him an invaluable resource for clients and colleagues alike. Whether he’s developing cutting-edge strategies, mentoring teams, or building lasting relationships, Richard brings unparalleled insight and expertise to every endeavor.
Rating: 5.0 out of 5.0 from Encompass Richard Caldwell was always ready when we needed him, communicated 100%, and very supportive JocelynKilleen, TX May 15
Richard Caldwell was always ready when we needed him, communicated 100%, and very supportive
Rating: 5.0 out of 5.0 from Encompass The constant communication and quick response to question, emails, etc. ErnestoGeorgetown, TX Apr 03
The constant communication and quick response to question, emails, etc.
Rating: 5.0 out of 5.0 from Encompass Richard was great to work with! Made buying first home very easy and quick. All documents where easily accessible and the process was very smooth. Definitely recommend! TerrenceTemple, TX Feb 18
Richard was great to work with! Made buying first home very easy and quick. All documents where easily accessible and the process was very smooth. Definitely recommend!
Rating: 5.0 out of 5.0 from Zillow Nice experience good Guidance through our fist time buying Our Home so Happy! Always with nice attitude towards the customers very helpful. For example we had so many credit cards open and he told us to in order for us to move forward to finish paying then soon! Karinabarrientos21Laredo, TX Apr 30
Nice experience good Guidance through our fist time buying Our Home so Happy! Always with nice attitude towards the customers very helpful. For example we had so many credit cards open and he told us to in order for us to move forward to finish paying then soon!
Rating: 5.0 out of 5.0 from Zillow I met Richard through a friend of mine who closed a loan with him/so I began the loan process with Richard and he took his time explaining all the details and process of applying for a loan. He was in total contact with me on my status on loan application and after it got approved he still walked me through all the final details..Awesome job SolizlauraSan Benito, TX Apr 30
I met Richard through a friend of mine who closed a loan with him/so I began the loan process with Richard and he took his time explaining all the details and process of applying for a loan. He was in total contact with me on my status on loan application and after it got approved he still walked me through all the final details..Awesome job
Rating: 5.0 out of 5.0 from Zillow Very helpful and full of knowledge always goes out of his way to make the loan follow through.His experience showed through his thorough work and we'd highly recommend it to anyone.i been a investor for 7 years and i have never met any loan officer like Richard Caldwell is one of the only loan officer that can close your loan in less then 30 days Darkcesar7McAllen, TX Apr 30
Very helpful and full of knowledge always goes out of his way to make the loan follow through.His experience showed through his thorough work and we'd highly recommend it to anyone.i been a investor for 7 years and i have never met any loan officer like Richard Caldwell is one of the only loan officer that can close your loan in less then 30 days
Rating: 5.0 out of 5.0 from Zillow Richard was truly an awesome mortgage banker! He was very professional, knowledgeable, and provided superior customer service whenever I had any questions or concerns. I would recommend him to any looking to buy a home! Peterz182003Harlingen, TX Apr 30
Richard was truly an awesome mortgage banker! He was very professional, knowledgeable, and provided superior customer service whenever I had any questions or concerns. I would recommend him to any looking to buy a home!
Rating: 5.0 out of 5.0 from Zillow I have been a Home Investment Advisor for over 10 years for various Builders. I would highly recommend customers to Richard Caldwell to help them with the financing of their new home or if they were in the need of refinancing their home. Throughout the years I have experienced that the customers that I referred to him have been very content and sat... Janzaldua13Edinburg, TX Apr 30
I have been a Home Investment Advisor for over 10 years for various Builders. I would highly recommend customers to Richard Caldwell to help them with the financing of their new home or if they were in the need of refinancing their home. Throughout the years I have experienced that the customers that I referred to him have been very content and sat...
Rating: 5.0 out of 5.0 from Zillow From the beginning Richard was prompt in getting me what I needed, and great at following up with me on what information I needed to provide him. His communications were professional and respectful. Richard made what could easily be a daunting experience as streamlined as it could be. On top of that he secured a fantastic rate! I would recommend Ri... Groque Apr 30
From the beginning Richard was prompt in getting me what I needed, and great at following up with me on what information I needed to provide him. His communications were professional and respectful. Richard made what could easily be a daunting experience as streamlined as it could be. On top of that he secured a fantastic rate! I would recommend Ri...
Rating: 5.0 out of 5.0 from Zillow From the first time I met Richard he was helpful and attentive to my needs. He stayed on top of everything and kept me abreast of what the next step in the loan process would be. I had a great experience with Richard and would highly recommend him to anyone who is looking to shop for mortgage. User83393077Harlingen, TX Apr 30
From the first time I met Richard he was helpful and attentive to my needs. He stayed on top of everything and kept me abreast of what the next step in the loan process would be. I had a great experience with Richard and would highly recommend him to anyone who is looking to shop for mortgage.
Rating: 5.0 out of 5.0 from Zillow Richard made a difficult task easier by explaining things to me where I could better understand the process. I'll never use anybody else! I'm now a lifetime customer of Richard Caldwell!! Many thanks for all you did. TaminolingRockport, TX Apr 30
Richard made a difficult task easier by explaining things to me where I could better understand the process. I'll never use anybody else! I'm now a lifetime customer of Richard Caldwell!! Many thanks for all you did.
Rating: 5.0 out of 5.0 from Zillow Always responsive and willing to cooperate with modifications as needed. Everything was done online, fax or phone. No need to waste time with office visits. Very knowledgeable with DPA programs. He would call me or my wife to make sure we or he got what was needed. Orlando GmccpaLaredo, TX Apr 30
Always responsive and willing to cooperate with modifications as needed. Everything was done online, fax or phone. No need to waste time with office visits. Very knowledgeable with DPA programs. He would call me or my wife to make sure we or he got what was needed.
Rating: 5.0 out of 5.0 from Zillow Mr. Caldwell made himself available to us on weekends & after hours.Being first time homebuyers we were unaware where to start, what to do next etc....Mr. Caldwell got us a great rate interest rate locked in, and he worked very hard to ensure my family got into our new home. Richard is extremely knowledgable as well as exceptionally friendly. My wi... Julian Morgan69Brownsville, TX Apr 30
Mr. Caldwell made himself available to us on weekends & after hours.Being first time homebuyers we were unaware where to start, what to do next etc....Mr. Caldwell got us a great rate interest rate locked in, and he worked very hard to ensure my family got into our new home. Richard is extremely knowledgable as well as exceptionally friendly. My wi...
Rating: 5.0 out of 5.0 from Zillow I was recommended to work with Richard and I am glad I did. He was very helpful through the entire process of my first home purchase. He always looked out for my best interest and was honest. JamesHarlingen, TX Apr 30
I was recommended to work with Richard and I am glad I did. He was very helpful through the entire process of my first home purchase. He always looked out for my best interest and was honest.
Rating: 5.0 out of 5.0 from Zillow Richard made the entire housing buying process much easier. Very easy to work with and answered all questions right away. Would defiantly recommend working with Richard. DtolivaHarlingen, TX Apr 30
Richard made the entire housing buying process much easier. Very easy to work with and answered all questions right away. Would defiantly recommend working with Richard.