Rashad Carmichael

About Me

With 15+ years in mortgage lending, Rashad Carmichael brings a rare mix of speed, accessibility, and real-world investment experience to the home financing process. Born and raised in Chicago and now serving clients across California and Illinois, Rashad is licensed in Florida, California, Illinois, and Michigan, giving him a broad understanding of how to help borrowers navigate different markets with confidence.

He works with a wide range of clients, from first-time homebuyers and self-employed borrowers to real estate investors and buyers with more complex financing needs. Rashad is especially experienced in FHA and Conventional loans, Fix and Flip financing, 203(k) renovation loans, ITIN and Foreign National loans, and helping borrowers who may need low-credit rescue approval options. His hands-on approach, strong communication, and ability to move efficiently through the loan process make him a trusted resource for buyers and homeowners who want clear guidance and consistent follow-through.

What makes Rashad especially memorable is that he does not just finance investment opportunities; he actively understands them from the inside. As a hands-on investor himself, he also teaches others through investor and homebuyer workshops in California, Florida, Michigan, and Illinois. Outside of lending, he volunteers in health and housing ministries through nonprofit work and provides free risk, finance protection, and family protection consulting for seniors, homeowners, and individuals. Clients who work with Rashad can expect a knowledgeable, responsive Loan Officer who is committed to helping them make smart, informed mortgage decisions.

To begin exploring the best path forward for your homeownership goals, reach out to Rashad today.