

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.