@joshrichardson
Mortgage Broker & Branch Manager
Your Home Loan Team
Mortgage Loan Officer
I'm Josh Richardson, a Tampa Bay mortgage broker and CFP® professional with Your Home Loan Team. I compare 140+ lenders to help Florida homebuyers, homeowners, investors and Realtors® get the right loan: FHA, VA, USDA, conventional, jumbo, non-QM and refinance. 100+ five-star reviews. Call (727) 888-6650. NMLS #2448184 | Go Rascal NMLS #2072896.
Investment Property
Second homes and investment properties are financed differently than a primary residence. Here is what Tampa Bay buyers should know before making an offer.
Refinancing
Thinking about refinancing a Tampa Bay home? Start with your goal, understand the costs, and calculate your break-even point before you decide.
Escrow
Escrow explains why a Florida mortgage payment can change even when the rate does not. Learn how taxes and insurance factor in, and how to plan for them.
Closing Costs
Closing costs come from several sources. Here is how a Florida purchase is usually organized, from lender and title charges to taxes and escrow deposits.
VA Loans
A guide for active-duty, reserve and veteran buyers in the Tampa Bay area: how VA loans work, who may qualify, and what to prepare before you shop.
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