Let us check your situation and see if a mortgage refinance could save you money.
Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.
We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.
Fill out the questionnaire on this page to start a discussion about your mortgage needs today!
The most important asset to our company, is our people. Our team was built with you as our focus.
Josh Richardson
NMLS#: 2448184
Anna Richardson
NMLS#: 2045806
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There is no single answer. Minimum credit requirements vary by loan program (conventional, FHA, VA, USDA and others) and by your overall financial picture. Josh and Anna can review your situation and explain which options may fit. You can also read our Mortgage FAQ.
It depends on the loan program and the type of property. Some programs are designed for buyers with a smaller down payment, and some buyers may qualify for down payment assistance. A quick pre-qualification will show what may work for you. See our Mortgage FAQ for more.
Yes. Helping first-time buyers is a big part of what we do. We explain each step, from pre-qualification to closing. Start with our First-Time Homebuyer FAQ.
Yes. VA loans are available to eligible service members, veterans and surviving spouses, and eligibility requirements apply. Read our VA Loan FAQ or contact us to talk through your situation.
Self-employed borrowers may be able to qualify, but the documentation is different from a traditional W-2 job. See our Self-Employed Mortgage FAQ for what to expect.
A denial from one lender is not always the final word. Different lenders and loan programs have different guidelines, so a second opinion can be worthwhile. Read Mortgage Denied? Get a Second Opinion.
In many cases, yes. You can start the process before you move, and much of it can be handled remotely while you are still living in another state. Approval depends on your individual situation. Read our Relocating to Tampa Bay FAQ, start a pre-qualification, or call (727) 888-6650.
