Rick San Vicente (Retirement Funding Solutions) Mortgage and Lending



Rick San Vicente
location_on Danville, CA — Retirement Funding Solutions
NMLS ID 647335
Get to Know Rick San Vicente

As a veteran of the reverse mortgage industry, I have helped hundreds of seniors, and their families, achieve peace of mind and financial independence provided by the benefits of a Reverse Mortgage.  I am passionate about helping seniors in all aspects of their lives.

As VP, NW Regional Sales Leader, I’m focused on building a team of highly competent, caring loan officers to serve seniors. We support loan officers according to the way they run their business, whether it’s direct to consumer or through referral sources, such as through the real estate and financial communities.

We often partner with realtors and those in the real estate industry.  Together we are able to help seniors find the best solutions possible to meet their financial and independent living needs.  Often seniors wish to down size, move closer to family or move into a retirement community, but feel they do not have the resources to do so.  By partnering with realtors, together we are able to advise the senior homeowner about a Reverse Mortgage for Purchase. The senior homeowner is able to sell their home, purchase a new home with a reverse mortgage and continue living the independent life they desire.

I live by the philosophy of giving and volunteerism by helping seniors in the East Bay region. I have volunteered my time by serving on the Advisory Council, and as Co-Chair of the Planning Committee, for Contra Costa County Aging and Adult Services. In this role, I have advocated for seniors in the county through financial and management oversight, legislative advocacy, and community outreach. Through the Advisory Council, I am involved with the West County Senior Coalition.  For the last three years, I have served on the Board of Directors for Meals on Wheels of Contra Costa County where I provide management, financial, and marketing oversight to the board.  I am an affiliate member and have sponsored the Financial Planning Association, am a past member of NAIFA, and have served on San Ramon’s Economic Development Advisory Committee.  Presently I am on the Tri-Valley Estate Planners Council.  In November 18, 2010, I was honored for my dedication to the senior community by receiving the Volunteer Service Award for the East Bay/Oakland communities.

I have a Bachelor’s degree in economics from UCLA and an MBA in Marketing and Finance from UCLA’s Anderson School of business, and live in Danville with my wife Lisa (married 19 years), two children, Alexa & Jack, and our Golden Retriever, Lucy.

Richard San Vicente, NMLS ID 647335, 2603 Camino Ramon, Suite 200, San Ramon, CA 94583. Synergy One Lending, DBA Retirement Funding Solutions, NMLS 1025894, Arizona Mortgage Banker License 0926603, Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act – License 4131356, Regulated by the Colorado Division of Real Estate, Colorado Mortgage Company Registration 1025894, Florida Mortgage Lender License MLD1079, Maine Supervised Lender License 1025894, Montana Mortgage Lender License 10255894, Montana Mortgage Broker License 1025894, Licensed by the New Hampshire Banking Department 19926-MB, Pennsylvania Department of Banking and Securities License 49997, Oregon Mortgage Lending License ML- 5208, Texas Mortgage Banker Registration 10255894, Utah DRE Mortgage Entity License 8954729, Washington Consumer Loan Company License CL-1025894. These Materials are Not From, and Were Not Approved By, HUD or FHA.



•I believe that every Senior deserves to have someone listen to them and listen to them intently. 

•I believe that as Adult Children we have the duty to help our Senior Parents and all Seniors live their Golden Years in the best way possible. 

•I believe that Seniors are an under-recognized and under-utilized treasure of wisdom and experience. We should treasure them and learn from them , while we still have the opportunity. 

•I believe that every Senior has the right to expect respect and receive it. 

•I believe that this generation of Seniors is as a famous newscaster once termed “The Greatest Generation”. These Seniors fought wars and literally saved our world from the darkness of tyranny. 

•I believe in God and his only son, Jesus. 

•I believe in working hard while making sure there is also time to play. 

•I believe that we are the luckiest people on earth , simply by virtue of being US Citizens. 

•I believe that we must appreciate life and the daily toil of life. 

•I believe that part of my life’s duty is to give every Senior the very best service possible. 

•I believe that there is strength in honesty.

•I believe serving Seniors is a privilege. 


FOUR TYPES OF PEOPLE "There are only four kinds of people in the world: Those who have been caregivers, Those who are currently caregivers, Those who will be caregivers, and Those who will need caregivers" Former First Lady, Rosalynn Carter










Information on HUD HECM Reverse Mortgages, loans for senior citizens, HECM for purchase, Reverse Mortgage for home purchase, FHA reverse mortgages, home equity conversion mortgage