Ritchy Haynes – PERL Mortgage

Denver, United States

5

4 reviews

Does not accept credit cards

Contacts

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Telephone:
+1 303-910-7440
Website:
www.perlmortgage.com
Address:
3801 E Florida Ave Ste 400, Denver, CO, 80210
Southeast
Nearby public transportation stops & stations:
490 ftS Colorado Blvd & E Florida Ave
0.2 miS Colorado Blvd & E Iowa Ave
0.3 miS Colorado Blvd & E Mexico Ave
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Bussiness info

Accepts Credit Cards
No
Accepts Apple Pay
No

Today

Today –
Local time (Denver) 12:38 AM Friday, July 18, 2025

Business hours

Monday –
Tuesday –
Wednesday –
Thursday –
Friday –
Saturday –
Sunday –

Description

Specialties

Top 100 Mortgage Lender; Specializing in Jumbo, Conventional, and Condo Lending

History

Established in 1994.

PERL Mortgage is a leading national independent mortgage banker established in 1994 and headquartered in Chicago, with over 200 employees company-​wide, licensed in 16 states and growing nationally. PERL was ranked 37th in nation with The Scottman’s Guide and was also in the Top 100 lenders in the nation (Mortgage Executive Magazine, 2012); with $ 1.6 billion is funded loans with only 82 originators. PERL keeps loans in-​house from application to closing, ensuring speed, security and quality control, making the mortgage process streamlined and hassle-​free. We offer a full mortgage product offering including but not limited to; Jumbo, Conventional, FHA/​VA, USDA.

Meet the Manager

Ritchy H.

Manager

I am an experienced direct mortgage banker/​lender, loan officer and broker with over 8 years experience. I am a very driven individual that strives to meet and exceed the expectations of my colleagues, clients, and friends, by offering insight, training, and tips towards their mortgage and credit approval process. My goals include educating clients on entire process and providing as easy of a transaction as possible. Recipent of 2012 Five Star Mortgage Professional award, given to top 7% of mortgage professionals, based on third party feedback from homebuyers.

Specialties: Purchase loans, Refinances, Conventional loans, FHA/​VA, CHFA, Jumbo Loans, 203k, HARP 2.0, Condo financing, Reverse Mortgages, Credit Analysis, mortgage banking, loan origination, down payment assistance

PERL NMLS: #19 186; CO Branch NMLS: #1 052 734

Individual Licenses held under NMLS #76 066 in Colorado, California, and Illinois:

Co Lic #: 100 019 933– Regulated by Colorado Division of Real Estate

CA DOC-​76 066– R

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4 reviews of Ritchy Haynes – PERL Mortgage

No registration required
Place rating: 5
Denver, CO
I just closed on the refinance of my home here in Denver, CO today, 9 Mar 16 and I continue to be pleased with Ritchy’s professionalism and ability to get things done quickly! This is the second time I’ve used Ritchy, the first being a purchase of a home in 2011, and I will continue to use Ritchy each time I need to buy or refinance my next home. With Ritchy, things are just easy. He helped navigate me through the entire process, answered all my questions (and there were many), and he is very upfront, honest, and forthcoming about everything. Simply put, he is a man of integrity and if he says «We can do this» you can take his word to the bank (literally and figuratively)!
Place rating: 5
Denver, CO
I have done about a dozen deals with Ritchy. He is always available and has whatever answer I need. He goes above and beyond when dealing with my buyers. He can explain every situation in simple, easy to understand language. He never misses a closing and has qualified some buyers that I really did not think could get approved. Great with follow up without being asked. He is an excellent resource for my real estate business. I highly recommend Ritchy to all of my clients as well as my peers.
Place rating: 5
Denver, CO
I just wrapped up a refi with Ritchy and had a great experience. I’ve refied sever times in the past and have always had to chase folks down to get current status. Ritchy always kept me in the loop with multiple courtesy calls to make sure I didn’t have any questions.
Ritchy started our interaction by making sure I needed his services instead of a HELOC (which would mean no business from me for him) and moved forward with great rates and options clearly laid out. After detailed phone conversations, he always followed up via email with the numbers I requested. Ritchy provided multiple options for exchanging documents ranging from electronic secure upload, to old school fax, to even coming to my home. He and the notary met at our house for the closing which was very convenient. I had a great experience with Ritchy and am glad I followed my friends recommendation to go with him.
Place rating: 5
Denver, CO
I have some rental properties and have worked with Ritchy on 5 different mortgage loans (some refis) and it’s been smooth sailing every time. He’s very knowledgeable, and worked with me on my terms — always taking into account my financial goals, which are not always just the lowest monthly payment like many other brokers. He’s easy to work with, always responsive, and respectful. Sometimes even mentioning that I could get a lower rate by going elsewhere. He really seemed to be looking outt for my best interests — a trait that’s hard to come by in this and many other industries.