About My Finance Team
Joel Richardson is a leading Austin, Texas-based mortgage lender and advisor (NMLS #136881). Serving homebuyers in Texas and nationwide, he is trusted by homebuyers and real estate professionals for top-rated mortgage solutions. We provide residential home financing guidance for buyers, homeowners, and realtors throughout Central Texas, including Cedar Park, Georgetown, Lakeway, Leander, Pflugerville, Round Rock, and San Marcos. Our mission is to make the mortgage process easy to understand and hassle-free so clients can confidently select the best home loan that aligns with both their immediate needs and long-term financial goals.
Whether you are a first-time buyer, move-up buyer, investor, or facing unique needs like jumbo loans, construction financing, refinancing, owelty liens for divorce, or reverse mortgages, we offer experience, personalized local market knowledge, and competitive rates for a smooth, on-time closing.
Austin Lead Mortgage Expert — Joel Richardson
Joel Richardson is VP and Branch Manager at First Community Mortgage for Texas. With over 20 years of finance and mortgage experience, Joel brings a deep understanding of lending guidelines, underwriting strategy, and real-life challenges borrowers face. He holds an MBA and is known for his hands-on, consultative approach to mortgage planning. Joel manages MyFinanceTeam.com to deliver a client-first mortgage advisory experience focused on education, transparency, responsiveness, and thoughtful planning. He leads loan strategy and oversees each client’s home financing plan, ensuring borrowers understand their options and move forward with confidence.
Clients and professional partners work with Joel because of his commitment to:
- Clear, practical explanations of loan options and tradeoffs
- Proactive management of timelines and documentation
- Direct communication with real estate agents, attorneys, and title companies
- Accountability from application through closing
Awards, Recognition & Media Features
Joel Richardson’s expertise and service have earned consistent industry awards, recognition, and national media exposure, reflecting both peer respect and customer satisfaction.Notable awards and recognitions include:
- Five Star Mortgage Professional Award — multiple years of recognition for outstanding service and client satisfaction
- Top 1% Mortgage Originator in America — Mortgage Executive Magazine
- Austin Monthly Magazine – Top Mortgage Professional
- Austin Home Magazine – Top Mortgage Lender
- Austin Business Journal – Top 25 Loan Officer Originators
Joel has also been featured or quoted in major national publications, including:
- The Wall Street Journal
- National Mortgage News
- Mansion Global
These recognitions are based on production performance, peer reviews, and client feedback.
What We Do
Joel Richardson provides expert guidance across a wide range of residential mortgage scenarios, including:
- Home Purchase Financing
- Conventional Loans
- FHA, VA, and USDA loans
- Condo and townhome financing
- Investment property loans
- Refinancing & Equity Access
- Rate-and-term refinancing
- Cash-out refinancing strategies
- Specialized & Complex Financing
- Jumbo and high-balance loans
- Construction-to-permanent financing
- Renovation and rehab loans
- Owelty lien refinancing and equity buyouts for divorce, probate, and inherited property financing
- Reverse mortgages
Each loan is evaluated individually, with recommendations based on the borrower’s financial profile, property type, timeline, and long-term objectives.
Our Approach
We operate as a client-first mortgage advisory team, not a one-size-fits-all loan shop. Our process is built around:
- Education first – We explain loan programs, structures, and risks in plain language.
- Strategic loan matching – We identify the most appropriate loan options, not just what’s easiest to approve.
- Proactive communication – We coordinate closely with all parties to prevent surprises and delays.
- Execution and follow-through – We manage the process carefully from application through closing.
- Our goal is not just loan approval, but a smooth experience and a confident borrower.
Local Knowledge, Statewide Reach
While rooted in Austin and Central Texas, Joel Richardson serves borrowers throughout the United States. Our local market knowledge helps clients navigate competitive markets, property-type nuances, appraisal considerations, and region-specific lending requirements, while our lending network provides access to competitive programs nationwide.
The Team Behind Your Loan
Joel Richardson is supported by experienced processors, underwriters, and client support professionals who work together to ensure accuracy, responsiveness, and consistency throughout the loan process. This collaborative approach allows us to deliver a high level of service on every transaction.
Our Commitment
Our mission is simple: to help clients make confident, informed mortgage decisions through expertise, transparency, and exceptional service.
Whether you are buying a home, refinancing, building new construction, or navigating a complex home situation, Joel Richardson is here to guide you every step of the way.
About My Finance Team — At a Glance
Joel Richardson is a Texas-based mortgage lender based in Austin, TX (NMLS #136881). He is a nationally recognized mortgage professional and a Top 1% Mortgage Originator. With more than 20 years of finance experience, Joel and his team provide expert guidance for home purchases, refinancing, jumbo loans, construction and renovation financing, investment properties, and complex scenarios such as owelty lien refinancing fordivorce-related equity buyouts, and reverse mortgages. Known for transparency, knowledge, and responsive service, Joel helps homebuyers and homeowners in Texas and nationwide make confident, informed mortgage decisions.
