Home - Richardson Mortgage

Simplified Mortgages.
Trusted Guidance.
Caring Professionals.

As an education based mortgage company we strive to offer you the ideal financing solution for your mortgage needs.

Welcome to Richardson Mortgage

OUR PURPOSE

We are dedicated to turning your home ownership dreams into reality by delivering an outstanding experience throughout your journey. Our goal is to provide personalized guidance, simplify the mortgage process, and ensure you feel confident and informed every step of the way. We build lasting relationships with our clients through transparency, reliability, and commitment to your financial success.

WHO WE ARE

As mortgage brokers, we act as intermediaries between you and various lenders. We do the legwork—shopping around, negotiating terms, and guiding you through the mortgage process. Our expertise and extensive network allow us to secure competitive rates and tailored solutions that fit your unique needs. We save you time, reduce stress, and provide access to a wide range of mortgage products. Our commitment is to offer unbiased advice and work in your best interest to achieve your home ownership goals.

OUR CLIENTS

We serve a wide range of clients, from first-time home buyers to seasoned investors. Our clientele includes young professionals, growing families, retirees, veterans, and experienced property investors. With a comprehensive selection of loan options and a robust network of lenders, we provide customized solutions for every client. Whether buying your first home, refinancing, or acquiring your hundredth property, we ensure you receive competitive rates and tailored financial solutions to meet your unique needs and goals.

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Our clients are the foundation of our success.

All-in-One Solution

Our Loan Process...

LOAN APPLICATION

The first step in the mortgage process is to submit an application. The application includes information about you, your finances, and the details of your potential mortgage.

PRE-APPROVAL

A pre-approval is a preliminary indication to determine the maximum amount you qualify for. The lender will evaluate your ability to afford a mortgage payment based on your credit score, income, assets, and debts. ( this is not a loan commitment)

SHOP

Armed with your pre-approval letter, you can now begin the house-hunting process. Your real estate agent will help you find properties that match your criteria and housing budget set by you and your lender. Exciting times!

LOAN PROCESSING

Your loan processor will prepare your file to enter underwriting. During this time, all necessary paperwork is assembled, reports are ordered, such as your title search and tax transcripts, and all information on your application is verified.

UNDERWRITING

During this step, your underwriter will review your information in great detail. Note that your underwriter may come back with questions. Be sure to respond in a timely manner to ensure a smooth underwriting process.

CLOSING

A closing is a meeting that involves all the parties signing the final documents and legally transferring the property to you. When you are finished signing the closing documents, you will be given the keys to your new home. Congratulations!

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