Dallas Mortgage Lender, Joel Richardson

Are you a first-time homebuyer? We can help!

As a Top 1% Originator in the nation, Joel is a trusted Dallas mortgage lender. He understands the need for responsive and knowledgeable service, especially in a rapidly growing metro area like Dallas-Fort Worth. The recent United States Census Bureau report has Fort Worth ranked as the fastest-growing city in America. And Site Selection Group has the Dallas Metroplex as the fifth fastest-growing metro area in the country by 2028! 

Relocations continue to keep pouring in, which is causing a low supply of homes for sale. As a result, home prices are up. If you are a first-time homebuyer, this fact may seem daunting. However, if you can buy a home, you should continue to purchase a home. Joel Richardson is here to help you get a home loan to purchase your dream home today.

Mortgage Lending Made Hassle-free for Homeowners in Dallas, TX

Whether you purchase a property for the first time or are a well-versed homebuyer, you should know that buying a home is thrilling and rewarding. In Dallas and Fort Worth, there are several loan options that you can use depending on your situation. 


The interest rate will not change throughout the lifetime of the loan. For many home buyers, the minimum down payment is 3%.


A government-insured home loan for those with limited income or cash for a down payment. FHA loans also have fixed rates and minimum down payment is 3.5%.


Benefits former and active military personnel and their families. VA loans are fixed rate loans and offer $0 down payment options.


Adjustable rate mortgage or ARM where the monthly payment is fixed for a few years and then will adjust after that fixed rate period. Minimum down payment is 5%.


US Department of Agriculture (USDA) mortgage, which is also a government-backed loan for people who live in smaller cities and towns. USDA offers $0 down payment but is income restricted.


Also known as nonconforming loans because the loan amount is higher than the regulated limits for conventional loans. Expect 10% down at a minimum and the best rates require 20% down. Both fixed and adjustable rate loans are available for jumbo products.

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Dallas Home Loans Made Hassle-Free

You are looking for a mortgage lending option in Dallas because you need help purchasing a property. At the same time, you want the process to be as hassle-free as possible. The lender should be someone you trust. We know financing your dream is a big deal, so you should find the right mortgage lender in Dallas, TX. Luckily, you have come to the right place. Joel Richardson and the VeraBank team are here to ensure you feel comfortable during the process.

We know that interest rates have a significant impact on your choice. At the same time, we make sure that the process is easy, fast, and worthy of your time. Here is how it works:

  • Step One

    Start with the application process. It’s easy! You apply online and it only takes a few minutes. The series of easy-to-understand questions will lead you along. You can choose a price and can also decide on the down payment. After pre-qualifying, we will give you a loan estimate.

  • Step Two

    From my website, you can upload documents that we require to qualify you. You will need to submit essential documents before we proceed in order to produce a prequalification letter.

  • Step Three

    Once we can issue the prequalification, you’re on the house hunt! Your real estate agent will need the prequalification* letter to present an offer to the seller. I work hand-in-hand with your agent to present your offer to the seller. (*A prequalification is not an approval of credit, and does not signify that underwriting requirements have been met. )

© Joel Richardson. All Rights Reserved. | This website is operated by Joel Richardson, who is currently an employee of VeraBank, N.A. (“VeraBank”) The views expressed on this website are not necessarily those of VeraBank. This website also has its own privacy policy, which may differ from VeraBank’s privacy policy. VeraBank makes no express or implied warranty regarding the information or data on this website, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this website. Joel Richardson has sole responsibility for the information and data on this website. Deposit and loan products described on this website are offered through VeraBank, Member FDIC. To visit VeraBank’s website, here.