Joel Richardson
NMLS: 136881
1111 W. 6th Street, Bldg B,
Suite 200,
Austin, Tx 78703
Tel: 512-203-8244
We use cookies on our website to see how you interact with it. By accepting, you agree to our use of such cookies. Privacy Policy
Accept settingsHide notification onlySettingsWe may request cookies to be set on your device. We use cookies to let us know when you visit our websites, how you interact with us, to enrich your user experience, and to customize your relationship with our website.
Click on the different category headings to find out more. You can also change some of your preferences. Note that blocking some types of cookies may impact your experience on our websites and the services we are able to offer.
These cookies are strictly necessary to provide you with services available through our website and to use some of its features.
Because these cookies are strictly necessary to deliver the website, refuseing them will have impact how our site functions. You always can block or delete cookies by changing your browser settings and force blocking all cookies on this website. But this will always prompt you to accept/refuse cookies when revisiting our site.
We fully respect if you want to refuse cookies but to avoid asking you again and again kindly allow us to store a cookie for that. You are free to opt out any time or opt in for other cookies to get a better experience. If you refuse cookies we will remove all set cookies in our domain.
We provide you with a list of stored cookies on your computer in our domain so you can check what we stored. Due to security reasons we are not able to show or modify cookies from other domains. You can check these in your browser security settings.
We also use different external services like Google Webfonts, Google Maps, and external Video providers. Since these providers may collect personal data like your IP address we allow you to block them here. Please be aware that this might heavily reduce the functionality and appearance of our site. Changes will take effect once you reload the page.
Google Webfont Settings:
Google Map Settings:
Google reCaptcha Settings:
Vimeo and Youtube video embeds:
You can read about our cookies and privacy settings in detail on our Privacy Policy Page.
Privacy Policy
Homebuying Process: Top Five Mistakes to Avoid
/in Mortgage Tips /by Anitra RichardsonHomebuying Process: A Complex Challenge The homebuying process for your first home is a significant milestone but can be complex and challenging. Here are the top five mistakes that homebuyers, especially first-time buyers, often make that you can avoid. Not Establishing a Budget One of the most common mistakes is not setting a clear budget […]
How Much House Can I Afford? A Reality Check
/in Mortgage Tips, Uncategorized /by Anitra RichardsonHow Much House Can I Afford? Ever wonder how much house can I afford? First-time homebuyers often have high expectations and dreams about their ideal home. While it’s great to have aspirations, it’s essential to have a reality check, especially in today’s real estate market. A Reality Check Whether you are earning $70,000 or can […]
First-time Home Buyer Program Flyer
/in Mortgage Tips /by Joel RichardsonFirst-time Home Buyer Program We appreciate your interest in our first-time home buyer program flyer! We believe in making first-time home buyer options affordable and accessible. Lower interest rates on first-time homebuyer programs increase accessibility to homeownership for individuals who may have limited credit history or lower credit scores. These programs often have more lenient […]
Is It A Good Idea to Pay Points?
/in Mortgage Tips /by Joel RichardsonWhen Is It a Good Idea to Leverage Discount Points? Considering if buying points is a good idea is more straightforward if you understand these key questions to ask yourself. What Are Discount Points? First, we want to understand discount points: a “discount” point is simply the cost to buy a rate. One “point” = […]
Is Renovating a Home Stressful?
/in Home Improvement /by Joel RichardsonIs Renovating a Home Stressful? Is renovating a home stressful. Home renovation shows make it look mostly uncomplicated. It’s easy to get swept in the idea of doing a renovation once you watch a few of these shows. Fix and flip home shows primarily focus on entertainment and often condense the entire process into a […]
The Student Loan Debt Hurdle to Homeownership
/in Homeowner Tips /by Joel RichardsonThe Student Loan Debt Hurdle to Homeownership The Supreme Court to struck down Biden’s student loan debt forgiveness program. Understandably, many younger potential homebuyers may feel discouraged about their homebuying goals. Agree or not with the program or decision, many young professionals could use a tool to help manage student loan debt more efficiently. To […]
What Are The Current Interest Rates?
/in Home Loans, Homeowner Tips, Mortgage Tips /by Joel RichardsonHow high will interest rates get? I can’t count how many times per week I have to address client concerns about current rates or rate direction. Then I was hit with a realization: most homebuyers today have never seen higher rates! What is the highest rates have gone? Today, over 50% of buyers are Millennials […]
What Home Loan Can I Afford?
/in Home Loans, Mortgage Tips /by Joel RichardsonWhat home loan can I afford? When considering buying a home, what home loan can I afford? We get asked how much mortgage we can afford on my salary all the time! Lenders will typically look at your income, expenses, credit score, and debt-to-income ratio to determine how much house you can afford. To be […]
SVB and The Housing Market
/in Austin Mortgage Updates, Home Loans /by Joel RichardsonSVB and The Housing Market I wasn’t going to write about this but… There have been a lot of questions about Silicon Valley Bank (SVB). Mostly, the questions are about SVB and the housing market. Therefore, I feel it’s helpful to address this. There is a lot of industry analyst betting against the housing market. […]
Mortgages: Interest Rates and Other Questions
/in Austin Mortgage Updates, Home Loans, Homeowner Tips, Mortgage Tips /by Joel RichardsonGot Mortgage Questions? We have answers! Ready to start the journey to homeownership? Great! You are likely looking for mortgages and have come to the right place. As your mortgage expert, we provide you with guidance. We have outlined some commonly asked questions and the answers to help you get started on the right foot! […]