Tampa Bay Mortgage Guidance Built Around You

Your Home Loan Team is a Tampa Bay mortgage team helping homebuyers, homeowners, real estate investors, and real estate professionals navigate home financing throughout Florida and beyond where licensed.

Led by husband-and-wife team Josh and Anna Richardson, we believe finding the right mortgage starts with something simple: understanding you.

Your goals. Your finances. Your property. Your timeline. And what you’re trying to accomplish long after closing day.

Because a mortgage isn’t just a loan.

For most people, it’s one of the largest financial decisions they’ll ever make.

That’s why we believe you deserve more than a rate quote.

Why We Built Your Home Loan Team

Our family put down roots here in Florida, and Your Home Loan Team was built around the way we believe mortgage lending should work.

Personal. Educational. Responsive. And focused on the borrower rather than simply the transaction.

We are an independent mortgage team with access to over 140 lenders and loan programs.

Instead of being limited to the mortgage products offered by one bank, we can evaluate options across our lender network based on your individual circumstances.

That matters because no two borrowers are exactly alike.

A first-time homebuyer may need something completely different from a veteran using VA financing.

A self-employed business owner may need a different strategy than a W-2 employee.

An investor purchasing a rental property may have completely different priorities than a family buying their forever home.

Our job is to understand the goal first, then help you explore the financing options available to accomplish it.

Meet Josh Richardson

Mortgage Broker, Branch Manager & Loan Originator

Josh Richardson leads the mortgage origination and strategy side of Your Home Loan Team.

His approach to mortgage lending was shaped by a career that extends well beyond mortgages.

A graduate of the University of Michigan, Josh built his career in financial services, insurance, and entrepreneurship before moving into mortgage lending.

His professional background includes earning the Certified Financial Planner™ (CFP®), Chartered Life Underwriter® (CLU®), and Chartered Financial Consultant® (ChFC®) designations.

Josh was also recognized as a seven-time Million Dollar Round Table member, received NAIFA Florida Top 40 Under 40 recognition, and previously earned national production recognition during his career in financial services.

That experience influences the questions he asks borrowers today.

Instead of looking at a mortgage as an isolated transaction, Josh wants to understand the bigger picture.

What are you trying to accomplish?

How long do you expect to own the property?

What does your monthly budget look like?

Is this your first home, your next home, a second home, or an investment?

What matters more in your particular situation: cash to close, monthly payment, flexibility, or another financial objective?

The goal isn’t to force every borrower into the same mortgage.

It’s to understand the borrower first.

Josh Richardson at a Glance

About Josh

Josh Richardson is a Tampa Bay mortgage broker, branch manager and loan originator. Before moving into mortgage lending, he spent years in insurance and financial services and built yourEadvisor.com, an independent financial services firm, into a company with more than 25 employees and roughly $3 million in annual revenue. A University of Michigan graduate, Josh holds the CFP®, CLU® and ChFC® designations and brings a planner’s mindset to every home loan conversation. Josh and Anna are raising their four children in Florida, the same community they serve.

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, an honor reserved for the top 1% of insurance and financial professionals worldwide, and 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
• Seven-time Million Dollar Round Table member
• Two-time NAIFA Florida Top 40 Under 40 honoree
• 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.

Meet Anna Richardson

Loan Partner, Mortgage Processor & Closer

Anna Richardson leads much of the operational side of the mortgage experience at Your Home Loan Team.

Once the financing strategy is established and a loan is moving forward, Anna helps guide the details that take a mortgage from application toward closing.

That can mean coordinating documentation, communicating with borrowers, working through processing and underwriting requirements, monitoring important deadlines, and helping keep the many people involved in a mortgage transaction informed.

It’s a role that requires organization, communication, patience, and an incredible attention to detail.

And that’s exactly where Anna shines.

Originally from Macedonia, Anna speaks English, Macedonian, Serbian, and Croatian.

Her goal is to make what can sometimes feel like a complicated mortgage process feel more organized, understandable, and personal.

Together, Josh and Anna bring two complementary skill sets to the same mortgage experience.

Josh focuses heavily on mortgage strategy, loan options, and origination.

Anna focuses heavily on execution, processing, communication, and helping move the loan toward closing.

You don’t just have someone helping you start a mortgage.

You have a team helping you navigate the journey.

Mortgage Options for Different Types of Homebuyers

There is no single “best mortgage” for everyone.

That’s why Your Home Loan Team works with over 140 lenders and mortgage programs to help borrowers evaluate financing based on their individual circumstances.

Depending on eligibility, property type, occupancy, location, and financial profile, we can help borrowers explore options including:

Conventional mortgages

FHA home loans

VA home loans

USDA loans

Jumbo mortgages

First-time homebuyer programs

Low down payment mortgage options

Investment property loans

Rehabilitation and renovation financing

Construction financing

Refinancing

And additional mortgage solutions for borrowers whose situations may not fit neatly inside a traditional bank’s lending box.

Not every borrower will qualify for every program, and the right option depends on your individual circumstances.

That’s why the conversation comes first.

Helping First-Time Homebuyers Understand the Process

Buying your first home can be exciting.

It can also introduce an entirely new language.

Pre-approval. Debt-to-income ratio. Escrow. Appraisal. Underwriting. Loan estimates. Closing disclosures.

You shouldn’t need to become a mortgage expert just to buy your first house.

Our job is to explain what matters, answer your questions, and help you understand what happens next.

From determining what you may be able to afford through processing, underwriting, and closing, we want you to understand the process rather than simply being pushed through it.

Helping Real Estate Investors Find Financing

Mortgage financing doesn’t stop with primary residences.

Your Home Loan Team also works with real estate investors exploring financing for investment properties.

Investor financing can require a different approach because the property, cash flow, borrower profile, number of financed properties, and long-term investment strategy can all affect which loan programs make sense.

Whether you’re purchasing your first rental property or adding another property to an existing portfolio, we can help you explore available financing options based on the specific transaction.

A Mortgage Team for Tampa Bay and Florida Homebuyers

Your Home Loan Team is based in the Tampa Bay area and serves borrowers throughout Florida and other markets where licensed.

We understand that real estate is local.

A homebuyer in St. Petersburg can face a very different market than someone buying in Tampa, Clearwater, Sarasota, Orlando, or another part of Florida.

That’s why mortgage advice shouldn’t exist in a vacuum.

We work alongside borrowers and their real estate professionals to understand the transaction, financing requirements, deadlines, and goals surrounding the purchase.

Our Philosophy Is Simple

Listen first.

Understand the goal.

Explore the available options.

Explain them clearly.

Communicate throughout the process.

And work hard to get you to the closing table.

We don’t believe the mortgage process should feel like you’re submitting paperwork into a black hole.

We want you to know who you’re working with, what’s happening with your loan, and what comes next.

Because behind every mortgage application is something bigger.

A first home.

A growing family.

A relocation.

A new investment.

A financial decision.

A new chapter.

We’d love to hear about yours.

Ready to Talk About Your Mortgage Options?

Whether you’re just beginning to think about buying a home or already have a property in mind, we’re happy to start with a conversation.

Tell us what you’re trying to accomplish.

We’ll help you understand the mortgage options that may be available and what your next step could look like.

Your Home Loan Team

Josh Richardson, Branch Manager & Mortgage Loan Originator, NMLS #2448184

Anna Richardson, Loan Partner, Mortgage Processor & Closer

Tampa Bay, Florida

Company NMLS #2072896

All loans are subject to lender underwriting, eligibility requirements, and approval. Loan programs, rates, terms, and availability may vary by borrower and are subject to change.