You Bring the Dream. We’ve Got the Mortgage.
Effortless. Efficient. Fast.
Secure Your Home Financing Today.
NMLS ID: 54483 ; Company NMLS ID: 1533336
(www.nmlsconsumeraccess.org)
Proudly Serving:
Arizona, California, Texas, Idaho, Tennessee, Colorado, Florida, Nevada, Michigan, Minnesota, South Carolina, Washington
14 Years Working Together
More than 10,000
Families Helped
Over $1 Billion Funded
Rates // Updates // Strategies
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ABOUT US
We believe in helping our customers achieve debt-free homeownership in an efficient manner, with clear communication throughout the entire process. Every loan is important and deserves to close on time.
Our commitment to you is honesty, reliability, and accountability.
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We believe in building families, managing debt, & creating wealth.
We help families with the safety and security of home ownership, and in building wealth through strategic real estate acquisition and mortgage planning. Unlike traditional lenders, we take a comprehensive approach to lending, integrating financial planning best practices to ensure long-term financial health.
Our primary goal as a lending firm is to serve our clients' financing needs with cutting edge loan programs and products, complemented by our unique “Financial Planning Approach” to real estate lending. This is a key difference that distinguishes us from 99% of other lending institutions and loan officers. If there is a more strategic and efficient way to finance and structure real estate, we will find it.
We believe in advice & strategy and serve as guide to help with home ownership, refinance planning, and long term net worth growth through real estate.
Mike Hardy
NMLS #54483
Mike Hardy is a multifaceted professional, excelling as an Ironman athlete, student pilot, real estate investor, speaker, and nationally ranked top 1% mortgage originator. Mike leads a top-performing team of 25 employees who have helped over 10,000 families secure refinance or purchase mortgages over the past 20 years. His leadership is marked by a unique, holistic perspective on mortgage management, incorporating a true financial planning approach to lending.
Beyond his mortgage expertise, Mike is a seasoned real estate investor with experience in over 100 real estate projects, and a recognized authority on Opportunity Zones. He has shared his insights at prominent national mortgage and real estate conferences, including Keller Williams Family Reunion and Todd Duncan's High Trust Academy, and his expertise has been featured in CBS News, Fortune, Forbes, Yahoo Finance, USA Today, and numerous podcasts.
On the personal front, Mike has been happily married for 27 years and is a proud father of four. He has built a winning formula for the art of work-life balance, allowing for systematic growth in all areas of life without compromise. Mike enjoys mountain climbing, working out, spending time at Big Bear Lake, and, above all, investing in quality time with his children.
Learn more about Mike at MikeHardyBio.com
Rick Mount
NMLS #188512
Rick Mount has been serving his clients and referral partners in real estate and lending for over 25 years. He wants to ensure his clients choose the right mortgage through their Safe, Simple and Smart 5 step process. Rick has held many senior positions responsible for all facets of the loan process. Rick attended Cal State Long Beach, Cal Poly Pomona and Azusa Pacific University, all with an emphasis in Finance, Real Estate and Law. Rich has been licensed in California since 1992 and a licenses Broker since 2002. Away from real estate, Rick enjoys being with his family and hanging out by the water.
Kevin Sprague
Business Manager
NMLS #1547630
Kevin Sprague is a dedicated mortgage professional with 8 years of experience in the housing finance industry working as Business Manager the Mike Hardy & Rick Mount Team, a top 1% nationwide group. He has had a decorated career, with hundreds of five-star reviews.
Before entering lending, Kevin was the 2015 Scholar Athlete of the Year at UC Riverside, graduating with honors while competing on the Division 1 baseball team. Kevin’s passion is helping clients make a great decision with their financing options and accomplish the American dream of home ownership. Outside of work, he has been married to his wife Ciara for almost 7 years and loves spending time with his two young sons.
CUSTOMER REVIEWS
Kevin is amazing. Love that he is willing to go over every single option and strategy to make sure I know we are making the right choices. Not only is he patient dealing with me throughout the past couple years to finally close on one house but is also extremely reliable and responsive. This was helpful for us to make sure we did not lose out on any diamond in the rough opportunity. Thanks everyone!
Paul H.
Upland, CA
July 2024
Kevin and Tyler were my loan officers. I am a first time home buyer and I appreciate all their help every step of the way. The home buying process seemed intimidating but with their help I was able to navigate with confidence. If anything came up they helped me get through it. I could really trust them both.
Randolph J.
Huntington Beach, CA
July 2024
Working with Kevin on this new house deal was great, he listened to our financial goals and helped us find the options that fit our criteria. The fact that the process for our scenario to finish took almost 9 months from acquiring the house on a short close (lending was ready in 13 days) to funding the refinance last week, only highlighted the efficiency and focus of the team. Now we get to focus on having this house paid off in the next 10 years instead of my 15 year estimate.
Carlos M.
Placentia, CA
July 2024
CLIENT WINS
Click to hear how Frank was able to quickly get cash for his daughter's wedding with a Churchill Mortgage HELOC
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437 S. Cataract Ave.
Unit #1-2
San Dimas, CA 91773
© ETHOS Lending, Inc.
2025 - All Rights Reserved.
ETHOS Lending, Inc., dba “ETHOS Lending”, NMLS #1533336, an Equal Housing Lender. Licensed by the Department of Real Estate Corporation Mortgage Loan Originator Endorsement, DRE #02103430.
26391 Crown Valley Parkway, Suite 230, Mission Viejo, CA 92691
Telephone (949) 720-1616
Toll-free (855) 601-5949
This is not a commitment to engage in a loan transaction. All applications are subject to full credit and property approval pursuant to the lender selected. Services not available in all states, check our licensing by clicking HERE.