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Proudly serving clients across Rhode Island, Connecticut, Massachusetts and New Hampshire.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Rich was great to work with. He was extremely knowledgeable and was always willing to answer any question. He gave useful advice and cautioned us when necessary. He and his team went above and beyond to get our closing done quickly and smoothly! We cannot thank him enough. NicoleGriswold, CT Jul 30
Rich was great to work with. He was extremely knowledgeable and was always willing to answer any question. He gave useful advice and cautioned us when necessary. He and his team went above and beyond to get our closing done quickly and smoothly! We cannot thank him enough.
Rating: 5.0 out of 5.0 from Encompass Explained everything to us as first time home buyers and helped us through each step! MadisonCoventry, RI Jul 26
Explained everything to us as first time home buyers and helped us through each step!
Rating: 4.5 out of 5.0 from Encompass Rich made the entire mortgage process smooth, stress-free, and easy to understand from start to finish. He was always responsive, patient, and willing to answer every question we had. His professionalism, expertise, and honest advice gave us confidence throughout the process. We truly felt that he had our best interests in mind and went above and b... JelleStoughton, MA Jul 22
Rich made the entire mortgage process smooth, stress-free, and easy to understand from start to finish. He was always responsive, patient, and willing to answer every question we had. His professionalism, expertise, and honest advice gave us confidence throughout the process. We truly felt that he had our best interests in mind and went above and b...
Rating: 5.0 out of 5.0 from Encompass Rich was the reason the deal we made didnt actually happened. He helped all the way through. He is incredible, he is the reason this was a great review. We had issues and he wasn't afraid to fight for us in what we believed was right. Thank you RICH!!!! Tyler JesseFall River, MA Jul 22
Rich was the reason the deal we made didnt actually happened. He helped all the way through. He is incredible, he is the reason this was a great review. We had issues and he wasn't afraid to fight for us in what we believed was right. Thank you RICH!!!!
Rating: 5.0 out of 5.0 from Encompass Rich made the lending process easy and enjoyable for my clients. He was very responsive and always available to answer their questions, and explain all the details of the loan process. His team clearly communicated all documents needed approved the loan quickly and closed our transaction on time!!! Highly recommend Rich and his team!!! LindseySomerset, MA Jul 16
Rich made the lending process easy and enjoyable for my clients. He was very responsive and always available to answer their questions, and explain all the details of the loan process. His team clearly communicated all documents needed approved the loan quickly and closed our transaction on time!!! Highly recommend Rich and his team!!!
Rating: 5.0 out of 5.0 from Encompass Rich made this experience amazing. There were times with others involved that their was miscommunication and false info and Rich continuously stayed on top of everything and explained everything to me every step of the way. I don't think I would have gotten through this process without Rich. Thank you!! PaigeFall River, MA Jul 13
Rich made this experience amazing. There were times with others involved that their was miscommunication and false info and Rich continuously stayed on top of everything and explained everything to me every step of the way. I don't think I would have gotten through this process without Rich. Thank you!!
Rating: 5.0 out of 5.0 from Encompass Kept me informed and made the process easy Leonard JosephNorth Attleboro, MA Jul 10
Kept me informed and made the process easy
Rating: 5.0 out of 5.0 from Encompass Rich , is always attentive to everything. He always gets things done and always makes sure to answer our clients needs . JamisonNorth Attleboro, MA Jul 07
Rich , is always attentive to everything. He always gets things done and always makes sure to answer our clients needs .
Rating: 5.0 out of 5.0 from Encompass Good people and good communication. Rich and Maja were extremely responsive, replying both quickly and thoroughly. Same with Mike as we moved through the final approval process. Highly recommend Jon RNorth Kingstown, RI Jul 06
Good people and good communication. Rich and Maja were extremely responsive, replying both quickly and thoroughly. Same with Mike as we moved through the final approval process. Highly recommend
Rating: 5.0 out of 5.0 from Encompass Very responsive to questions. MaryellenNorth Kingstown, RI Jul 06
Very responsive to questions.
Rating: 5.0 out of 5.0 from Encompass Very kind, helpful, transparent and clear. AmberNorfolk, MA Jun 15
Very kind, helpful, transparent and clear.
Rating: 4.8 out of 5.0 from Encompass Rich was always quick to reply for questions or urgent matters! AshleySouth Kingstown, RI May 25
Rich was always quick to reply for questions or urgent matters!
Rating: 5.0 out of 5.0 from Encompass Rich took us on at the last second and did everything in his power to help us close on our house on time. Alexa TWestport, MA May 18
Rich took us on at the last second and did everything in his power to help us close on our house on time.
Rating: 5.0 out of 5.0 from Encompass Rich is knowledgeable, understanding, easy to work with and very responsive to clients. His determination and hard work to close on time was impressive and my clients were very happy! ReneeWestport, MA May 14
Rich is knowledgeable, understanding, easy to work with and very responsive to clients. His determination and hard work to close on time was impressive and my clients were very happy!
Rating: 5.0 out of 5.0 from Encompass Rich stepped in when a proplem accored and was able to take over and complete the transaction. He persent himself and the company well. Rich knew exactly what was neded to get the buyer a CTC. Not knowing Rich and taking over one is always hesitant. Rich did an awsome job and I know he will get my next client her CTC. Thnank you again, Joanne M... JoanneWindham, CT May 11
Rich stepped in when a proplem accored and was able to take over and complete the transaction. He persent himself and the company well. Rich knew exactly what was neded to get the buyer a CTC. Not knowing Rich and taking over one is always hesitant. Rich did an awsome job and I know he will get my next client her CTC. Thnank you again, Joanne M...
Rating: 5.0 out of 5.0 from Encompass Very friendly. and he was very informative, always helped me thru the homebuying process and tried to get me the best deal. You the man rich! MichaelTaunton, MA May 06
Very friendly. and he was very informative, always helped me thru the homebuying process and tried to get me the best deal. You the man rich!
Rating: 5.0 out of 5.0 from Encompass Just an amazing experience WararatSmithfield, RI Apr 03
Just an amazing experience
Rating: 5.0 out of 5.0 from Encompass I had a truly great experience throughout the entire mortgage process. Communication was clear, timely, and consistent, which made everything feel smooth and stress-free from start to finish. Every question I had was answered quickly and thoroughly, and I always felt informed at each step. What really stood out was the willingness to work with me ... BillySmithfield, RI Apr 03
I had a truly great experience throughout the entire mortgage process. Communication was clear, timely, and consistent, which made everything feel smooth and stress-free from start to finish. Every question I had was answered quickly and thoroughly, and I always felt informed at each step. What really stood out was the willingness to work with me ...
Rating: 5.0 out of 5.0 from Encompass Rich Brandariz at AnnieMac is truly exceptional at what he does. He’s a great communicator, consistently reliable, and always gets the job done. His professionalism and dedication set him apart from the rest. I’m proud to call him a trusted referral partner and confidently recommend him to anyone looking for top-tier service. CourtneySmithfield, RI Apr 03
Rich Brandariz at AnnieMac is truly exceptional at what he does. He’s a great communicator, consistently reliable, and always gets the job done. His professionalism and dedication set him apart from the rest. I’m proud to call him a trusted referral partner and confidently recommend him to anyone looking for top-tier service.
Rating: 5.0 out of 5.0 from Encompass process was easy LillianAcushnet, MA Mar 30
process was easy
Rating: 4.0 out of 5.0 from Encompass Some more explanation. Being a first time home buyer EricAttleboro, MA Mar 04
Some more explanation. Being a first time home buyer
Rating: 4.8 out of 5.0 from Encompass The level of efficiency and support was excellent CarleneAttleboro, MA Mar 02
The level of efficiency and support was excellent
Rating: 5.0 out of 5.0 from Encompass Never went thru this process before. 1st time home buyer. But the effort that rich and his had shown is incomparable . With me for every step and for any questions. Thank you guys for all your hard work. I don't think I can say it enough. You guys help me change my whole life. FabianNew Bedford, MA Feb 24
Never went thru this process before. 1st time home buyer. But the effort that rich and his had shown is incomparable . With me for every step and for any questions. Thank you guys for all your hard work. I don't think I can say it enough. You guys help me change my whole life.
Rating: 5.0 out of 5.0 from Encompass Great communication MuhammadNew Bedford, MA Feb 03
Great communication
Rating: 5.0 out of 5.0 from Encompass Big thank-you to Rich Brandariz for making this transaction smooth from start to finish. Great communication, quick responses, and true teamwork made all the difference for my buyer. Highly recommend! KerryFoster, RI Jan 26
Big thank-you to Rich Brandariz for making this transaction smooth from start to finish. Great communication, quick responses, and true teamwork made all the difference for my buyer. Highly recommend!