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Meet Dick

I have been in the mortgage industry since 1999 and have enjoyed helping over 1,000 families improve their financial outlook. My focus is to create customers for life. I try to make the process of refinancing as easy and quick as possible, so that when you go away from the closing table you'll know that I did everything possible to make sure the process was smooth with no "surprises."  I look forward to offering you the best service and competitive programs to obtain your financial goals. Currently, I reside in Morrow Ohio with my wife Jackie and four daughters Makenzie, Maddie, Lexi and Sydney.

Loan Programs


The classic loan type - with lower downpayments this will require private mortgage insurance, but I have a lot of options to help.


Gov't sponsored program that helps borrowers who can't afford a high down payment or who may have credit score issues.


These loans are gov't backed and are 0% down programs that help set you up with loans as long as the house isn't in the middle of a city.


VA loans are a benefit to our veterans.  They're low interest rate loans with no downpayment required.

2722 Erie Ave Ofc 313 * Cincinnati, OH 45208
Richard Engle NMLS 265027
KY MC816760 DBA Equity Resources of Ohio, Inc. 

Equity Resources, Inc. is an Equal Housing Lender. NMLS 1579

Certain limitations apply, call for details. Corporate Office 25 S Park Place, Newark, OH 43055. Toll Free 1-800-270-7082
Equity Resources Website

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