Joe Richardson, VP of Mortgage Lending at Guaranteed Rate, specializing in residential mortgage lending, home equity lines and loans, constructions loans, and multi-family lending across the United States. He has helped generations of clients achieve their homeownership dreams which includes is primary homes, second homes and investment properties for over two decades. Joe has over 30+ years experience in the financial arena including stops at Bank of America and RBC Mortgage (Royal Bank of Canada).
Joe's aim is to simplify the mortgage process for his customers and make the home loan process enjoyable. He and his team thoroughly educate their borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Joe and his best-in-class team puts his clients ahead of the competition through their ability to close loans in record time.
Joe supports the Guaranteed Rate Foundation, as well as domestic and global charitable outreach programs.
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- State License Numbers: CA - CA-DFPI559919, FL - LO44326, IL - 031.0038452, IN - 56849, NC - I-201574, NJ - Licensed, TX - Licensed, WI - 559919 Lending in all 50 states.
- 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 $5,000)
|Loan type||Rate||APR||Discount points ($)||Mo. payment|
This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate, Inc. and are subject to change without notice. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges).
Conforming: Sample monthly payments for conforming loan products are based on a purchase price of $437,500, and a down payment of 20.00%. Advertised rates and APRs are subject to change without notice. Above scenarios assume a first lien position, 750 FICO score, 30 day rate lock on a primary residence.
Jumbo: Sample monthly payments for jumbo loan products based on a purchase price of $1,200,000, and a down payment of 25.00%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 760 FICO score, 25 day rate lock on a primary residence.
FHA: Sample monthly payments are based on a purchase price of $310,880, and a down payment of 3.50%. Advertised rates and APRs are subject to change without notice. Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence.
VA: Sample monthly payments are based on a purchase price of $400,000, and a down payment of 0.00%. Advertised rates and APRs are subject to change without notice. Sample does not include VA funding fee (max VA funding fee of 3.3%). Above scenario assumes a first lien position, 680 FICO score, 30 day rate lock on a primary residence. Must be an eligible veteran. Subject to underwriting guidelines and applicant's credit profile.
These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing.
One discount points equals one percent of your loan amount.
Guaranteed Rate, Inc. has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency.