Richard Garza

Richard Garza
Credit Manager

Cross Country Mortgage
13845 E. Northsite Suite 105
Scottsdale, AZ 85260

Loan Types:

Travel Radius:
60 miles

Relevant Sites:


State License Numbers:
AZ - 0912769

Service Area
About Me
Senior Executive pro with a record of high quality lending and growth, I have more than 18 years’ experience in financial institutions with proven leadership in all situations including particular expertise in credit risk management, performance-based operations, profitability, quality, customer service, real estate evaluation, lender liability. Experience includes: mortgage banking; residential mortgage lending; mortgage loan buybacks; consumer financial services; loan and organization due diligence; lender liability; real estate and loan valuations; and all aspects of residential lending. I always strived to build lasting business relationships based not only on offering you low rates, but on sound business practices, today 18 years later, my honesty, integrity and outstanding customer service have allowed me to stay in the industry during good times and bad. I was born and raised in Lansing, Michigan and the majority of my family is still there. I married my childhood sweetheart Leslie Marie and we celebrated 27 years in September 2014. We live in San Tan Valley. I love Michigan Football and also golf, bowl, and travel to Vegas frequently. I’m a member of the Masonic Lodge, 82d Airborne Association. Education and training Associates in business arts-Liberty University 20 hours of NMLS approved pre licensure education course Arizona Mortgage loan originator license NMLS 261055 California Department of Corporations license NMLS 261055 Federally Licensed Mortgage Banker Military Experience U.S. ARMY, Fort Bragg, NC 11-83/07-94 Military Awards and Honors Southwest Asia Service Medal w/ Bronze Service Star-2; Kuwait Liberation Medal; Army Commendation Medal (two awards), Army Achievement Medal (four awards); Good Conduct Medal (three awards); National Defense Service Award; Overseas Service Ribbon; Expert Marksmanship; Senior Parachutist badge