Orange County & Beyond
Rick Villa has helped hundreds of homeowners buy, refinance, and invest. Over 20 years. Honest advice. Results you can count on.
What We Do
Whether you're refinancing, buying your first home, or investing—we have the expertise and lender relationships to get you the best outcome.
Lower your rate, reduce payments, or tap equity. We shop 20+ lenders to find your best option.
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FHA, VA, conventional, jumbo — we match you with the right loan for your situation.
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From pre-approval to close, our team guides you through every step in Southern California.
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Market analysis, pricing strategy, and expert negotiation to get you maximum value.
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Construction loans and guidance from lot purchase through final walkthrough.
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Data-driven insights on what your home is worth and where the market is heading.
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Quick Calculator
Get a ballpark number instantly. For Rick's actual rate based on your credit and situation, request a free quote.
Full Calculator →$600,000
20% — $120,000
6.750%
Est. Monthly Payment (P+I)
$3,116
30-year fixed
Service Areas
Garden Grove, Anaheim, Irvine & more
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LA County — all cities
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Riverside, Corona, Palm Springs & more
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San Diego County
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Also licensed in Washington · Maryland · Oregon · Colorado
Client Stories
We have used Rick twice now and have been extremely happy with 5 Point's services. Rick and his staff make the process seamless. Closed both transactions in less than 3 weeks!
— Happy Client
5 Point Capital helped me with the purchase of two homes and two refinances with incredible clarity & surprising speed. Rick made a short sale come through in record time.
— First-Time Buyer
5 Point Capital and specifically Rick are the best! He helped me save over $500 monthly and made the process a breeze.
— Refinance Client
Resources
Refinancing
The break-even point, rate delta thresholds, and when refinancing actually makes sense.
Read more →Buying
Everything you need to know about buying your first home in Southern California.
Read more →Loans
A plain-English breakdown of the key differences and when each loan type wins.
Read more →Get Started Today
No obligation. Rick reviews every inquiry personally and responds within 24 hours.
Step 1 of 2 — Contact Info
Step 2 of 2 — Your Loan Details
This helps Rick prepare the most accurate rate quote for you.
Your information is secure and never shared.
Rick will review your details and reach out within a few hours.
Rick responds within 24 hours. No obligation.
Step 1 of 2 — Contact Info
Step 2 of 2 — Your Loan Details
This helps Rick prepare the most accurate rate quote for you.
Your information is secure and never shared.
Rick will review your details and reach out within a few hours.