RIC3
Mortgage Broker
Lending In The D, Investing in our community
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Market Summary
RIC3 stands for Real Investment Creating Community Capital. It is pronounced "rice", which is a symbol of abundance and prosperity in Asia. As a mortgage broker, we provide mortgage solutions that unlock the door to both your home and your real estate goals, while at the same time working together for prosperity and abundance in our community.
RIC3 Mortgage Broker
Real People - Real Investments
DET TO NY
BAIRA MVMNT PHLOSPHY, the dance-theatre company
co-directed by Shaina and Bryan Baira, was one of our first Community Partners and (just like us) they are
originally Detroit based and now expanding to New York!
To celebrate both of our big expansions,
we are providing a matching donation
so they can reach their fundraising goal for 2022.
Loan Shopping
We always use your specific circumstances to find the best possible loan for you.
Here is just a sample of some of our go-to lending partners
3rd largest wholesale lender
Effiecent process & great pricing
America's Largest Lender
Based in Detroit
Access to wholesale rates
California based nationwide lender
unique programs such as
downpayment assistance
Port Huron based lender
Always fast and
personalized service
Have Bonds Lost Enough Ground to Imply Some Relief?
Rates are as high as they've been in 14 years and have moved relentlessly higher since August 2nd. Is it enough weakness to hope for a technical bounce ahead of the Fed? Spoiler alert: while that could happen, it doesn't make much sense to count on anything until we actually see what the Fed has to say.
Remembering Kash Williams
Kash Williams was a promising young basketball player who was shot and killed on December 15, 2021, in Highland Park, MI. His family is still struggling with his loss and has been trying to escape the place where he was murdered for half a year. Read the full story of Kash, his family and their struggle to leave Highland Park here.
Wilkin Lai is the managing broker of LendingInTheD Mortgage Broker. This photo is from the rooftop deck at the Westin Book Cadillac. Click to read about Wilkin's work with condo financing.
Investing in Our Community
We recognize that the real investments
are the people and communities affected by each transaction.
Charlotte Mason and The Ark Detroit
In 2021, Real Investment Community, RIC3 LLC Mortgage Broker’s community development company, brought together an investor group to facilitate the joint purchase of the commercial building at 17400 2nd Ave in Detroit by Charlotte Mason Community School and The Ark Detroit church.
The investor group was comprised of 3 loans, $175K from Real Investment Community and two $100K loans from 2 private investors, and wouldn't have been possible without the resources and connections made by LendingInTheD.
Watch our video explaining how the loan works and what it means to the people impacted by it!
John M.
"Wilkin Lai this project is why we had to do all that mortgage work from Tokyo 😂😂 thanks again for making it work!"