Meet Mike and Rick


Mike Hardy

Michael Hardy Headshot

Mike’s background includes 20 years of experience in the securities, real estate, and financing markets and he is a graduate of Azusa Pacific University. Before Mike began his career in lending, he was a respected Financial Advisor, and continues to implement “A Financial Planning Approach to Real Estate Lending” today. Mike earned the Certified Mortgage Planning Specialist certificate (CMPS), and was recently recognized as a top 1% Loan Officer nationwide by Mortgage Executive Magazine for the last 5 years.

As a serial entrepreneur, Mike’s experience includes founding and co-ownership in a Century 21 Office, an escrow company, as well as 55 Capital Group, a $10 Million California Reg-D Real Estate investment fund.

With VIP Independent Mortgage, Mike is responsible for the California marketplace, a $250 million annual region.  Prior to partnering with VIP, Mike opened and managed a branch for Fairway for 7 years.  Personally, he has originated an average of $50 million annually in each of the past 5 years. Mike is also a Certified Performance Coach with Driven Coaching and produces & distributes weekly 2 minute “Business By Design” coaching videos for business owners.

Outside of work, Mike is also an accomplished athlete and has completed 10 Marathons, several triathlons, as well as successfully summited Mt. Shasta and Mt. Whitney.  As an avid cyclist, Mike has completed 3 Pacific Coast bike tours, the first two of which comprised the entire coast from the top of Washington to the border of Mexico.  Mike has also competed in NPC Physique competitions, earning 1st, 2nd or 3rd place each competition.   This year, he reached a lifetime goal and completed his first Ironman.

Mike is a proud father of four children (ages 8, 10, 13, and 15) and has been married to his wife, Beverly, for close to 20 years.


Rick Mount

Rick Mount has been involved iRick Mount Headshotn real estate and lending for over 20 years. During this time, he has gathered extensive experience in residential, commercial and construction lending. Rick was co-founder of First Choice Mortgage Services Corp. and served as the President and CEO from 2001 to 2008, overseeing 50 employees and as much as $250 million per year in loan volume.

Rick has held many senior positions, including Sr. Vice President for Arch Bay Capital, a $2 billion California-based hedge fund where he developed a lending platform to manage the fund’s performing and non-performing loan pool. He has also served as a Vice President for Wells Fargo Bank, N.A., and Area Manager for Conseco Finance/Green Tree Mortgage. In many of these positions, he was responsible for ushering loans through the entire process from origination, processing, underwriting, funding and selling of the assets in the secondary market. Rick has held positions on various committees that focused on compliance, credit quality and risk mitigation.

Away from real estate, Rick enjoys being with his wife and watching their three children play sports. Rick attended Cal State Long Beach, Cal Poly Pomona and Azusa Pacific University, all with an emphasis in Finance, Real Estate and Law. Rick has been a licensed Sales Agent in California since 1992 and a licensed Broker since 2002. He has also held licenses in 14 other states. Rick is currently a Vice President managing production and operations of Fairway Independent Mortgage Corporation in the Southern California market place.

Apply With Mike and Rick