Joe Richardson
VP of Mortgage Lending

Of my 32 years in the financial arena, the last 16 have been exclusive to the Mortgage Banking industry. I have a wide range of clients that span from the Affluent/Jumbo space to the First Time Home Buyers marketplace. The decision to join the Guaranteed Rate team was easy, as they truly are "best in class". They deliver real results and in a really short period of time. I value my clients and future customers and they deserve nothing short of the highest level of customer commitment that my team can provide. Guaranteed Rate understands that philosophy and can deliver throughout, even after the mortgage process is completed. This distinction allows me to continue to foster my long standing and mutually beneficial relationships with my Realtors, Attorneys, Financial Planners and other business partners. Guaranteed Rate has once again ranked among the largest retail mortgage lender in the U.S., according to MortgageStats.com figures from the third quarter of 2014. More impressively, the stats also show that Guaranteed Rate has tripled its share of the mortgage market since early 2011. We do loans nationwide. If you are looking to buy a home, whether it is a primary residence, investment property, vacation home or are considering refinancing, please do not hesitate to get in contact with me! I am happy to lend advice and help you in any way I can. Specialties: Jumbo Loans, Single Family Homes, Condo’s, and Multi Unit Properties. Our product offerings include: • Jumbo loan programs up to $3 million • Relocation programs • 1031 Exchanges • 100% financing USDA loan program • 97.5% financing FHA loan program • 97% financing conventional loan programs • 100% financing VA loan program • FHA and conventional renovation programs • Down Payment Assistance available to qualified borrowers (up to $5,000)

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