20+ Years of Real Results for Real Families

Rick's Story

Rick Villa has spent over two decades in Southern California's real estate and mortgage industry, helping hundreds of families buy, refinance, and build wealth through homeownership. Based in Garden Grove, he's a true local — someone who knows the Orange County market not just from spreadsheets, but from showing up at closings, answering late-night calls, and watching families receive their keys.

5 Point Capital was built around the belief that most people deserve better guidance than they typically get from big banks and online lenders. Rick personally reviews every inquiry, shops multiple lenders, and provides a plain-English recommendation — even if that recommendation is "not right now."

His track record speaks for itself: clients close in as few as 14 days, come back for their second and third transactions, and refer their friends and family with confidence.