Richard Hugel
SVP of Mortgage Lending

I have over 29 years of Mortgage Banking experience in originating in the business of residential mortgage lending. As a professional in the industry, I have built a reputation of outstanding service to my clients. Now more than ever, borrowers and real estate agents require a Loan Officer with in-depth knowledge of the constantly changing underwriting guidelines, borrower beneficial regulatory changes, an understanding of every aspect of the Mortgage loan process, and the ability to tie them all together to help the customer. You can always count on me to look out for your best interests and to keep you informed throughout every step of the lending process. It is my goal to help you through the constant changes in the mortgage marketplace so you can quickly and efficiently find the best loan product that meets your needs and to close timely on your purchase or refinance. I am dedicated to responsible lending practices with an unyielding commitment to customer satisfaction and delivering quality product and service to my customers and partners. My professional and personal goals are driven by the core values of integrity, passion, commitment and loyalty. My greatest asset is the honorable way in which I choose to conduct business, always operating at the highest levels of integrity and ethical standards always looking out for the customers best interest. This combination of industry experience, educational backgrounds, work ethic and soundness of character has helped me distinguish myself among my peers and experience long-term success with loyal clients and business referral sources. Richard earned his undergraduate degree from George Washington University with a BA in Finance. Originally from New York, Richard has made Virginia his home for over 35 years, currently residing in Oakton, VA.

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Areas served
  • Virginia, Maryland, DC and Florida
    Services offered
    • First Time Homebuyers
    • Conventional
    • Jumbo
    • FHA
    • VA
    • Vacation Homes
    • Investment Property
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    Today's rates

    Loan typeRateAPRDiscount points ($)Mo. payment

    This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.