About Us
We Don't Just Close Loans.
We Engineer Outcomes.
Three professionals. 25+ years together. One mission: treat every mortgage like the strategic financial tool it is.
Our Philosophy
The Financial Planning Approach
Most loan officers find you a rate and close the deal. That's not what we do.
The Katalyst Team treats your mortgage as a strategic financial planning tool. We look at your complete financial picture. Debt structure, investment goals, tax implications, real estate portfolio, timeline to wealth. Then we engineer the mortgage to serve that bigger strategy.
It's the difference between a pharmacist who fills prescriptions and a doctor who diagnoses and treats the whole patient.
This approach is why families come back for their 2nd, 3rd, and 4th transactions. It's why our clients don't just buy homes. They build wealth. And it's why we built nine proprietary calculators around the strategies we use every single day.
We analyze your full financial picture
Income trajectory, investments, tax situation, retirement timeline, and real estate goals. All before we even look at rates.
We structure for outcomes, not approvals
Every mortgage we write is designed to accelerate your path to financial freedom, not just get you into a house.
We plan for the next 10 transactions, not just this one
Our strategies compound over time. The decisions you make today are the foundation for the wealth you build tomorrow.
Why “Katalyst”?
In chemistry, a catalyst is the element that makes a reaction possible. It accelerates the process, reduces the energy required, and enables an outcome that wouldn't happen the same way without it.
That's exactly how we see our role.
We're not the ones buying the home, building the portfolio, or creating the wealth. You are. But the right mortgage strategy, applied at the right time and structured the right way, is the catalyst that makes it all happen faster and more efficiently.
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Years Experience
$0B+
Loan Volume Funded
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Families Served
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States Licensed
The Team
Meet the People Behind the Strategy
Mike Hardy
Managing Partner
NMLS #54483
Ironman athlete, student pilot, real estate investor, speaker, and one of Southern California's leading mortgage originators. Mike brings a financial planning approach to every conversation, treating each mortgage as a strategic tool for building wealth, not just buying a home.
Rick Mount
Managing Partner
NMLS #188512
With 25+ years in real estate and lending, Rick brings deep expertise and unwavering client commitment to every transaction. Licensed in California since 1992, he ensures every client chooses the right mortgage through the team's proven financial planning process.
Kevin Sprague
Business Manager
NMLS #1547630
Former UC Riverside Division 1 athlete turned mortgage professional. With 8 years in the industry and hundreds of 5-star reviews, Kevin is passionate about helping clients make great financing decisions that align with their long-term financial goals.
Ready to Talk Strategy?
Let's look at your full financial picture and build a plan.