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Denise R

Denise Richardson

PRESIDENT & CEO | RMLO
NMLS#: 2079067

Office: (214)216-1760 Ext. 101

Mobile: (915) 873-4900

Denise@richardsonmortgagetx.com

Meet Denise!

“Hi, I’m Denise, and I’m passionate about making homeownership dreams come true. As the President & CEO of Richardson Mortgage and a seasoned Mortgage Loan Originator, I’ve had the privilege of guiding countless clients through the mortgage process. There’s nothing more rewarding than helping people cross the finish line into homeownership.

My journey in finance began in the automobile industry, where I worked as a Finance Director and Manager, gaining valuable experience in lending and numbers. But my true passion has always been helping families build financial stability through homeownership. That passion led my husband, Todd, and me to start Richardson Mortgage together,a company built on expertise, integrity, and a commitment to providing a seamless mortgage experience for our clients.

Todd and I met in the industry, but what truly brought us together was our shared vision for business and the desire to build something meaningful side by side. We both knew we wanted to create a company that prioritizes relationships, provides expert guidance, and helps people achieve their financial goals through homeownership.

When I’m not working, you’ll find me in the gym, constantly striving to improve, or spending time with our two amazing kids, Alex and Avery. We believe in pushing ourselves to be 1% better daily, whether in business, fitness, or life.

I’m here to take the stress out of the mortgage process and help you achieve your homeownership goals. Let’s connect and make it happen!

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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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