About Reliance Financial

Your Trusted Mortgage Advisors

Your Trusted Mortgage Advisors

Our Mission

At Reliance Financial, we are relentlessly passionate to increase the homeownership rate in America. Why? Because we believe that having a place to call home is a fundamental human need and right. Wielding the power of our team of experts, streamlined processes, and technology innovation, we strive to deliver you competitive rates, a convenient and hassle-free experience, and with ongoing education.

We are a team of professionals who deeply understand what it takes to turn dreams into reality.
We work for you. We are Your Trusted Mortgage Advisors.

Our Story

Reliance Financial was founded in 2004 by two close friends and budding entrepreneurs, Richard Ro and Lucky Sandhu. We graduated from the highly esteemed program at the Haas School of Business at UC Berkeley and worked as Certified Public Accountants at Ernst & Young LLP. We built our business and personal relationship on a shared zeal for high-class client service, a natural affinity for working with numbers, and our desire to fulfill our lives purpose of helping Americans fulfill their dream of home-ownership. These common interests led us away from our corporate careers and into the field of mortgage finance. 

While we enjoyed an auspicious beginning in building a mortgage company that was solidly customer focused, we did not escape the most severe business headwind of our times. During the economic crisis beginning in 2008, our business sector – mortgage lending – sustained a direct hit. The chaos and panic that resulted from the collapse of the crown jewels of American capitalism, such as Bear Stearns and Lehman Brothers, brought lending to a standstill as financing dried up overnight. Many mortgage lenders and originators, several of them friends and veterans of the business, left the industry. We were faced with the challenge of our lifetime and some hard choices: 1) flee the business and find different jobs or careers; 2) merge with bigger and more stable institutions like Bank of America or Wells Fargo as was the case for many, or 3) stay the course and become first responders to the crisis. We chose the latter path towards helping as many homeowners as we could to keep their homes. Against all odds, we persevered and continued to provide first-class service to our clients, and we survived. 

We learned profound lessons during the crisis, primarily that keeping focused on client service and client education towards securing their largest asset, as well as, liability and helping clients achieve their financial goals through homeownership is foundational to the long-term success of our clients, and in return, our company.

Today, our clients can count on us to provide them with in-depth guidance in their end-to-end journey towards homeownership with patience, care and competence. We remain steadfastly customer-centric in providing our clients with low rates, fast closings, and hassle-free experiences while maintaining high professional service standards.

We are Reliance because our customers rely on us for results.

Our Culture

In order to maintain our mission, to meet our clients' high expectations for first-class service and to solidify our competitive edge in the marketplace, the culture at Reliance Financial continues to evolve. The company is committed to creating an environment that values diversity, promotes inclusion and encourages innovative thinking and client education toward achieving financial goals. Included in this vision are the Core Values that define the way we do business and undergird their use. They are:

Hard work:

Always in pursuit of excellent business practices and desirable outcomes for clients and partners


Integrity, straightforward communication in how we conduct business


Appreciation for the opportunity to serve clients well and to value the solid partnerships shared with lenders and vendors


The guiding principle that directs our actions and keeps us passionate about our professional pursuits


An essential part of our way of conducting business professionally and with ease in a very challenging and ever-evolving lending environment