Santa Clarita Lender

Linda Richardson

Senior Mortgage Consultant

NMLS #827429

(661) 993-7644

Meet Linda

I’m an experienced and well-rounded mortgage professional who has had the fortune of operating at various vantage points of our industry over a long decorated career.  My absolute passion is seeking out like-minded mortgage professionals and bringing them to a common company vision.  Although my goal is most commonly maintaining the consistent quality loan production secondary markets desire, it’s the people that drive me to be better daily.  I’ve had the pleasure of watching many careers flourish under my direction, and I’d like to see many more as our industry continues to flourish.

“You will get all you want in life if you help enough people get what they want.”

Call me today at (661) 993-7644 for a free quote and consultation.  My team and I are waiting to handle all your financing needs.


Senior Mortgage Consultant

NMLS #827429

Direct: (661) 993-7644

27413 Tourney Road, Suite 160

Valencia, CA 91355

What a Difference a Year Makes for Sellers

Over the last few years, many sellers have been hesitant to put their houses on the market because they feared not being able to find another home to buy. We’ve reported on inventory shortages in the past, and it’s been a constant concern for potential buyers...

Should I Refinance My Home?

With the recent lower interest rates, many homeowners are wondering if they should refinance. To decide if refinancing is the best option for your family, start by asking yourself these questions: Why do you want to refinance? There are many reasons to refinance, but...

Home Price Appreciation Forecast

Questions continue to come up about where home prices will head throughout the rest of this year, as well as where they may be going over the few years beyond. We’ve gathered current data from the industry’s most reliable sources to help answer these questions: The...

Is Your First Home Now Within Your Grasp? [INFOGRAPHIC]

Some Highlights: According to the US Census Bureau, “millennials” are defined as 18-36-year-olds. According to NAR’s latest Profile of Home Buyers & Sellers, the median age of all first-time home buyers is 32. More and more “old millennials” (25-36) are realizing that...

Our Home Loan Programs

Conventional Loans

We offer a variety of fixed rate conventional loans programs. Minimum down payments range from 3%-20%. Available for most types of 1-4 unit homes.

Have questions? Call (661) 993-7644 // Learn More

FHA Loans

Popular low money down financing solution with more lenient credit requirements compared to many conventional products. Available for most types of residential properties.

Have questions? Call (661) 993-7644 // Learn More

USDA Home Loans

No money down financing option for middle to lower income home buyers seeking to purpose property in USDA eligible areas of the country.

Have questions? Call (661) 993-7644 // Learn More

VA Loans

Zero down financing solutions for eligible US military personnel, veterans, and qualiying surviving spouses.

Have questions? Call (661) 993-7644 // Learn More


Looking for purchase or refinance a higher end property? We offer a number of fixed and adjustable rate jumbo loan solutions. Contact us for a free quote today!

Have questions? Call (661) 993-7644 // Learn More

203K Renovation Loans

Get financing to make home repairs and renovations with one of our 203K renovation loans. Eliminate the need for a second mortgage at a higher rate! Can be used for purchases or refinances.

Have questions? Call (661) 993-7644 // Learn More

Condo Loans

Finance your dream condo with a home loan from Mid America Mortgage, Inc. Conventional, FHA, VA, USDA, and jumbo options available to qualified borrowers.

Have questions? Call (661) 993-7644 // Learn More

Rental Property Loans

Expand your real estate portfolio with investment property financing from Mid America Mortgage, Inc. Available for most types of 1-4 unit residential properties.

Have questions? Call (661) 993-7644 // Learn More

First Time Home Buyers

We offer a number of popular low and no money down mortgage programs including conventional, FHA, VA, and USDA rural housing loans. Let us help you buy your first home!

Have questions? Call (661) 993-7644 // Learn More

Lower Credit Scores

Have some past credit issues which are preventing you from obtaining financing? We offer FHA financing assistance for borrowers with credit scores as low as 580. Other terms and restrictions may apply.

Have questions? Call (661) 993-7644 // Learn More

City 1st Mortgage Services, LLC


Dedicated Mortgage Originators
Highly Competitive Pricing
Innovative Loan Programs
A to Z Digital Process
Fast Loan Closings
Loan Pre-Prequalifications in Minutes


Happy customers.

"Linda could not be anymore helpful and knowledgeable through the home buying process. We felt comfortable with her from the moment we met her and she made us feel like family. We are very happy to have been able to work with Linda."

Jeanny from Santa Clarita, CA


"This was my first experience with American Family Funding and it was a great one! 4 weeks from application to closing. I will recommend them again."

Angie / Studio City, CA


"Linda was the second mortgage broker we contacted in Santa Clarita. She was extremely easy to work with and made the entire process seamless and easy."

exodusms from Santa Clarita, CA


"Linda is one of the most kind, knowledgeable, and patient people I know - both personally and professionally! I respect her and trust her as a lender who has your best interest in my mind 24/7. She will try her hardest to get the best rates she can, she is more than honest, and she always has the client's best interest in mind."

user77392738 from Castaic, CA


"American Family Funding provided a timely well-organized mortgage process. I would recommend them to anyone looking for a hassle free experience."

Carrie / North Hollywood, CA


"We worked with Linda for our first home purchase. She absolutely wonderful - very patient with me and my endless questions, explaining and re-explaining any and all parts of the process when we forgot something or didn't understand. The whole process was quick, seamless, and painless. We appreciated her support and standing up for us, very much."

meghan obrien618 from Santa Clarita, CA


"Your attention to detail and constant contact and updates made this a great experience! THANK YOU!!!"

PTC / Valencia, CA


"I had a great experience with American Family Funding. They gave me a quote and they stuck to it. They were very helpful, it was very easy and I had a great experience on the refinance!!!"

GWinn66 / Saugus, CA


"Linda was very professional, organized, planned ahead, always willing to jump on a call, very thorough and a pleasure to work with! She provided great advice for the benefit of my family. My wife and I wouldn't be in a beautiful home without her guidance. I highly recommend Linda! Shes very nice, outgoing and sweet!"

user2415820 from Castaic, CA


"I've been trying to refinance a jumbo mortgage for years and years with out any luck. I finally found American Family Funding and they were exceptional! "

Jeff / Los Angeles, CA


"Linda is great. She kept me updated through my two month escrow. She worked well with my agent and escrow company. Would use her again. A+ professional. Cares about her clients. :)"

Jan Zumstein from Oxnard, CA


"I recently used American Family Funding to refinance my house and I was more than pleased with my experience."

Matt / Burbank, CA