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First Tech Routing #321180379
Home Equity Loan Officer

Meet Richard.

A little insight into Richard Lucas.

I have over 10 years of experience in the financial industry including banking, lending and investments. This gives me the unique opportunity to help my clients with a holistic approach to their financial needs. I take pride in building strong relationships with my clients, educating them about financial independence and watching them succeed and achieve their life goals.

I am a proud husband and father of four who enjoys cooking, hiking, spending time with my family and friends. As a native Oregonian, I take pride in volunteering with my local community emergency response team and local food bank.

We're here to help you.

Flexity line of credit.

Experience ultimate flexibility while you put your home’s equity to work for you. The Flexity line of credit gives you access to cash when you need it. Plus, it allows you to lock in up to three fixed-rate loans under the same line of credit.

  • Flexible line of credit secured by your home's equity
  • Low, interest-only payments during the 10-year draw period
  • Ability to lock-in up to three, fixed-rate loans under one line of credit
  • Access to cash when you need it
  • No pre-payment penalty

Home equity.

Do you have big plans that require money? Get that money from the equity in your home. We have great rates and many options, depending on your goals.


Whether you want to cash out your equity, lower your payments, or pay off your loan sooner, we have a refinance loan for you.

Buy a home.

We have mortgage solutions to fit your needs, whether this is your first home, next home, or you’re building your dream house. If you have a home picked out and signed a contract, please apply here. If you want to see how much you qualify for submit a request for Pre-Qualification.

Mortgage resources.


Home Buyers

We’ve helped thousands of members buy their first home.



Calculate your mortgage options.


Home Loan

View more information on the home loan options available.