Richardo was born and raised in Amsterdam, but he also has Cape Verdean roots. Both his parents were born on the Cape Verdean Islands.
He is happily married to Nihal for already 11 years and they have 2 daughters: Zahara and Tamar and 1 son Zaki.

He was first working at Rabobank as a mortgage administrator, but with the time he wanted to develop more and move to the next level – consultancy. That is why he decided to join the team of Expat Mortgages in 2010 and since 2011 Richardo is an acknowledged mortgage consultant.
Richardo is very passionate about his job and the people (clients) he gets to meet every day. Richardo’s motto is: “We do not have problems, we only have challenges and each challenge requires the right tailor-made solution. “

In his spare time he likes to play (watch) soccer and spend quality time with his family and kids.

Richardo Cruz Fortes

Richardo Cruz Fortes


You can read below some testimonials of Richardo’s clients