About Rich Bolt
Richard L. Bolt
Mortgage Loan Officer | NMLS #222703
Helping people achieve homeownership has been Rich Bolt's passion for nearly three decades. Since beginning his mortgage career in March 1997, Rich has helped thousands of individuals, families, and real estate investors navigate the financing process with confidence. His reputation has been built on honest advice, exceptional communication, and a commitment to making every mortgage experience as smooth and stress-free as possible.
Today, Rich serves as a Mortgage Loan Officer with Citywide Home Mortgage (Company NMLS #2611), where he provides personalized mortgage solutions for homebuyers, homeowners, and real estate investors throughout New Jersey, Florida, and Georgia.
Rich specializes in a wide range of residential financing options, including Conventional, FHA, VA, USDA, Jumbo, purchase and refinance loans, renovation financing, and first-time homebuyer programs. He also has extensive experience with specialty lending solutions, including Non-QM loans, Bank Statement loans for self-employed borrowers, DSCR (Debt Service Coverage Ratio) loans for real estate investors, asset utilization programs, and other alternative financing options designed to help clients who may not qualify under traditional lending guidelines.
Known for his honesty, responsiveness, and commitment to exceptional service, Rich believes every borrower deserves clear communication and expert guidance from application through closing. Whether you're purchasing your first home, refinancing, investing in real estate, or navigating a unique financial situation, he takes the time to understand your goals and recommend the financing solution that best fits your needs.
Rich's dedication to excellence has earned him the prestigious Five Star Mortgage Professional designation 11 consecutive years, recognizing his outstanding customer service and the trust he has earned from clients, REALTORS®, and industry professionals alike.
A graduate of Rider University with a Bachelor of Science in Finance, Rich also attended Raritan Valley Community College, giving him a strong financial foundation that continues to support his practical, solutions-focused approach to mortgage lending.
Rich lives in Somerset County, New Jersey, with his wife, their 19-year-old daughter, 17-year-old son, and a lively household that includes three dogs and several cats. An avid animal lover, Rich and his family are passionate about animal rescue and regularly volunteer and foster pets through a local rescue organization.
When he's not helping clients finance their next home, Rich enjoys spending time with his family, cheering on the New York Mets and New York Giants, networking with real estate professionals, and educating buyers and homeowners about today's mortgage options.
Whether you're buying your first home, moving up, refinancing, investing in real estate, or exploring specialized financing solutions, Rich is committed to helping you achieve your goals with confidence, personalized service, and nearly three decades of mortgage expertise.