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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About Josh Richardson
About Me
Josh Richardson is a Tampa Bay mortgage broker and branch manager with Your Home Loan Team, an independent brokerage that works with over 140 lenders to match Florida homebuyers, homeowners and investors with the right loan. A University of Michigan graduate who rowed with the National Team, Josh holds the CFP®, CLU® and ChFC® designations and previously built yourEadvisor.com into a 25-employee company with $3 million in annual revenue. He and Anna are raising their four children in Florida.
Year Started
2021. Josh started originating mortgages with Your Home Loan Team in Tampa Bay in 2021, bringing years of insurance and financial services experience with him.
Awards
- Seven-time Million Dollar Round Table (MDRT) member
- Two-time NAIFA Florida Top 40 Under 40 honoree
Achievements
- Built yourEadvisor.com into a company with more than 25 employees and $3 million in annual revenue
- Earned the CFP®, CLU® and ChFC® designations
- Rowed at the University of Michigan and with the National Team
- Completed the Florida Ironman with a 102-degree fever and the flu
Memberships
- CFP Board – Certified Financial Planner
- GO! Coaching
- Borrow Smart University – Certified Liability Advisor
- Association of Independent Mortgage Experts
- Florida Association of Mortgage Professionals
- Florida Realtors Membership
- American College of Financial Services – Chartered Financial Consultant & Chartered Life Underwriter
- National Association of Mortgage Brokers
Hobbies
Golf, lifting, walking, church, date night with the wife, and playing with the kids.
Learn more about Josh and Anna Richardson. Josh Richardson, Branch Manager & Mortgage Loan Originator, NMLS #2448184. Company NMLS #2072896.
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.
