Low Down Payment Options? Look Here!

Low Down Payment Home Buyer Program Our Mission is to Make Homeownership Accessible If you’re in the market for a low down payment option to make your dream of owning a home a reality, you’ve come to the right place! We truly value your interest in our innovative low down payment, no mortgage insurance home […]

Is It A Good Idea to Pay Points?

When 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?

Is 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 […]

What Home Loan Can I Afford?

What 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

SVB 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. […]

2022 Housing Market Outlook

Housing Market: Are You Feeling the House Ownership Vibe for 2022? The housing market has been a constant thread in news headlines in the past year. If you are a potential homebuyer, it is understandable that you may be sitting on the sidelines wondering what is in store for 2022. Predicting the housing market is […]

Cybersecurity Awareness Month

Cybersecurity Awareness Month Tips to Keep Your Data Safe From Phishing! Regarding cybersecurity, phishing attacks are among the most common security breaches. The FBI Internet Crime Complaint Centre published a report in 2020 confirming this fact. What is phishing? Phishing is a fraudulent technique to get sensitive data through disguised emails. Additionally, the person phishing […]

Government Shutdown and Home Loans

How Does A Government Shutdown Impacts Home Loan? That Depends… Though there are some areas of our lives that a government shutdown could impact, many home buyers will experience minimal impact on an existing mortgage application.  The answer is dependent on the type of loan in question. Here is a quick reference to help understand […]

© 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.