About Us

About Our Team

My team and I have only one goal in this post-mortgage meltdown industry, and that is to make sure our customers are walked through the mortgage process in a way that allows them to make decisions that best fit their current circumstances and future financial goals! We believe that communication, transparency and honesty is the way to accomplish this goal for our borrowers so that they are customers for life! We believe this kind of personal touch is what makes us different!


Sandy Richards, Branch Manager & Senior Mortgage Advisor  

Sandy is a licensed mortgage advisor has been a mortgage advisor since 2011, has been in the real estate related field since 1993 and she has a BS degree in Business Management. She understands that each borrower’s circumstances are different and there is no such thing as a One-Size-Fits-All loan program. Her greatest strength is problem solving, and with all the changes and challenges in mortgage lending it is imperative to know and understand all the different mortgage guidelines and what will work for each individual borrower. She truly cares about each customer and they are not just a loan to her, they are much, much more.

Sandy and her husband, Steve, have three grown and married children who have given them their seven amazing grandchildren. They love to hike, cook, spend time with family and friends, and are involved in serving at their church.


Steve Richards, Branch Operations Manager

Steve is a licensed mortgage advisor and has been in the mortgage industry since 2004. Steve has a BS degree from ASU in Business Management, and second BS degree from ASU in Accounting. He is a licensed CPA in the state of AZ also. For our branch, Steve takes on all the compliance and loan process activities of each file to ensure that all the many, many laws, rules and guidelines are met in the timeframes we have for closing. Steve is very detailed in the process, and our team of mortgage advisors are very grateful to have him on our team to ensure the paperwork, underwriting and closing go smoothly! One of Steve’s greatest passions and joys in life besides his family is serving and working with Special Needs Adults at his church.

About Pinnacle Capital Mortgage

PCM_InfoGraphic_CompanyStats1Teamwork. Empowerment. Positivity. Excellence. These four core values describe Pinnacle Capital Mortgage Corporation, headquartered in Roseville, CA with locations throughout the west coast, and growing. We all share one vision and practice our core values. We strive to provide only excellent service to our clients and partners and hold great value in being the mortgage lender our consumers turn to.

Pinnacle Capital was founded in January 2008 with the knowledge and efforts of highly experienced lending professionals, with excellent reputations in the mortgage banking field. With this vast pool of experience, we have grown quickly to become a true contender in this industry. This growth was achievable as a result of the quality of people that helped form and create what we call Pinnacle Capital Mortgage Corporation.

While the concept of true and solid customer service is not new, it is our purpose and intent to continuously move and adapt within the boundaries of the industry, while providing innovation in the way we offer our service. Our entire team is devoted to our commitment of providing only exceptional service, from our sales team, to our operations professionals, to secondary marketing and to our management team. We invite you to experience Pinnacle Capital Mortgage as your lender for life.

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