Eric Lawrence Frazier MBA
Senior Vice President National Sales

Eric Lawrence Frazier MBA
Senior Vice President National Sales
NMLS #461807
C: 714-475-8629

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Creating smiles since 1989.

Eric Frazier is a mortgage banking professional with 41 years of experience in sales management, operations, and marketing.  He has over 31 years of experience in real estate as a licensed California Real Estate Agent and 21 years as a Real Estate Broker. Additionally, he has 41 years of experience in mortgage lending as a mortgage banker NMLS 461807.  He is a graduate of the University of Redlands in Redlands, California. He has an MBA with an emphasis in finance and a BS in business administration and management. He has served as an adjunct professor at the University of California Riverside, teaching e-commerce and lecturing on the U.S. mortgage crises to international business and political leaders.  He is a Co-Founder with his wife, Ruby L. Frazier, CEO of Frazier Group Realty (, a full-service, family-owned, and family-operated real estate brokerage.  He has been married to Ruby Lee Gordon Frazier for 41 years, and together, they have 4 children and 4 grandchildren.

Branch address

5 Park Plaza, Ste. 900
Irvine, CA 92614
Corp. NMLS #210853


FHA Loans
The FHA, or Federal Housing Administration, provides mortgage insurance on loans made by FHA-approved lenders. FHA insures these loans on single family and multi-family homes in the United States and its territories.

Conventional Loans
A conventional loan is a loan backed by either Fannie Mae or Freddie Mac, the two entities which comprise the Federal Housing Finance Agency (FHFA). More than half of all new mortgage loans are conventional loans, which include special mortgage programs such as the HomeReady™

VA Loans
A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

  • FHA Loans
  • VA/Veteran Loans
  • FNMA / FHLMC Conventional
  • 203K Limited
  • USDA Rural Housing
  • HUD Repair Escrow
  • Good Neighbor
  • FHA Streamline
  • NO FICO Underwriting FHA
  • DU REFI Plus
  • Manual Underwriting
  • Home Equity Line of Credit
  • Mortgage Credit Certificate
  • Manufactured Housing
  • JUMBO Loans
  • Home Ready Programs
  • … and many more

About Residential Bancorp

Founded in 1989, Residential Bancorp is committed to making the home-buying experience simple and enjoyable for its customers from start to finish. Our mission is to become the first choice and a household name throughout the United States for home loans. With a vibrant, team-oriented corporate culture and a proven track record of success, Residential Bancorp is poised to become a leader in the mortgage lending sector. Led by talented, visionary executives, our experienced and knowledgeable associates provide superior customer service to our consumers, realtors and builders.

Company Values


In all of our dealings with our fellow associates and customers, we pledge to do no harm, and to conduct ourselves at all times in accordance with our stated values. One of our organization’s core values is Integrity; and Residential Bancorp is committed to the guiding principles of fair, equitable and responsible lending. We believe that all creditworthy customers should be treated fairly, equally and have nondiscriminatory access to credit.


There is no substitute for real life, hands-on experience when it comes to mortgage lending. We make sure our associates have the knowledge and experience to ensure that our customer’s loans are processed, underwritten, closed and funded efficiently and accurately from application to post-closing.


At Residential Bancorp, we know that our continued success is dependent upon providing both our internal and external customers with best-in-class customer service. Whether it is our commitment to meeting and exceeding turn-time expectations for our branches, or closing our customer’s loans accurately and on-time, we demonstrate that excellent customer service is not just a goal, it is truly a core value.

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In accordance with Section 326 of the USA Patriot Act of 2001, Residential Bancorp NMLS ID: 210853 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. I acknowledge this is not a formal application, under the Real Estate Settlement Procedures Act, or a commitment to lend. Your loan officer will contact you to complete your application and determine which products may best suite your financial needs. Final loan approval will be subject to a complete application, complete sales contract when you find a home (purchase transactions only), a property appraisal, determination by the lender that the property meets underwriting and commitment conditions, and a verification of your income, employment, assets, credit history and any other information necessary in compliance with lender’s underwriting guidelines. If you supplied your social security number in the Pre-application, you are permitting the lender to order a credit report in connection with your request for credit.