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Todd Richardson

Todd Richardson

President & CEO / RMLO
NMLS#: 2434580

Office: (214)216-1760 Ext. 102

Mobile: (214) 497-4495
todd@richardsonmortgagetx.com

Meet Todd!

“Hi, I’m Todd! I’ve always been passionate about real estate, building businesses, and helping people create financial stability through homeownership. As the President & CEO of Richardson Mortgage, I work alongside my wife, Denise, to make the mortgage process as smooth and stress-free as possible for our clients.

Before diving full-time into real estate and mortgages, I spent 15 years as an IT Director at Fidelity. While I gained valuable experience in strategy, problem-solving, and operations, my true passion was always in real estate. My journey in real estate started back in 2008 when I bought my first investment property. That experience sparked a deep interest in real estate, leading me to become a licensed real estate agent. Over the years, I’ve gained a strong understanding of what it takes to buy, sell, and invest in homes, and I love using that knowledge to help others navigate their own homeownership journeys.

Denise and I met in this industry, and together, we built Richardson Mortgage to provide a client-focused, transparent, and expert-driven mortgage experience. We believe in putting people first, offering the best guidance, and making the dream of homeownership a reality.

Outside of work, I’m a proud husband and dad to our two amazing kids, Alex and Avery. Family is everything to me, and when I’m not working, you’ll probably find me in the gym or spending time with them. We believe in getting 1% better every day whether in business, fitness, or life.

I’m here to help you navigate the mortgage process with confidence. Let’s connect and make your homeownership dreams happen!”

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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