Richard Kaponer brings over a decade of financial expertise and two years of executive leadership experience to his current role at Worthington Mortgage, where he now serves as Loan Originator and Mortgage Advisor. Known for his problem-solving mindset and passion for helping others, Richard has built his reputation on a simple principle: meet people where they are—and find a solution that fits.

After successfully leading a commercial funding firm that specialized in small business lending and equipment finance, Richard transitioned into residential lending with a clear mission: to empower individuals and families with smart, customized mortgage solutions. At Worthington Mortgage, Richard now focuses on helping clients unlock homeownership, tap into their equity, and build long-term financial stability through strategic financing options tailored to their goals.

Whether you’re purchasing your first home, upgrading to your dream home, or investing in property, Richard provides access to competitive conventional loans with flexible terms. He takes the time to match each client with a loan structure that supports their long-term goals and makes the buying process smooth from start to finish.

A home equity loan allows you to borrow against the value you’ve built in your home—giving you a lump sum for projects like renovations, debt consolidation, or college tuition. Richard helps clients evaluate their equity position and access funds with clear, structured repayment terms and no surprises.

Not every borrower fits inside a traditional box. Richard specializes in creative mortgage strategies for self-employed borrowers, clients with complex income streams, or those rebuilding credit. From bank-statement loans to alternative documentation and non-QM solutions, Richard is known for finding a way when others say no.

More than anything, Richard is passionate about helping people. He understands that behind every loan is a family, a future, and a dream—and he treats each client with the respect, clarity, and personalized attention they deserve. His clients appreciate his ability to simplify complex information, listen with intent, and guide them through the mortgage process with confidence.

Understanding the importance of government-backed financing, Immortal Funding Group helps businesses navigate the complexities of obtaining Small Business Administration (SBA) loans. Richard’s expertise in this area ensures that clients can access these low-interest, long-term loans designed to support small business growth and stability. From application to approval, his team provides comprehensive support throughout the entire process.

Reach out today and take the first step toward a smarter financial future.