Joel Richardson
NMLS: 136881
1111 W. 6th Street, Bldg B,
Suite 200,
Austin, Tx 78703
Tel: 512-203-8244
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Happy 2020!
/0 Comments/in Austin Mortgage Updates, Homeowner Tips /by Joel Richardson30 Year Fixed Rate at Historical Lows
/0 Comments/in Home Loans /by Joel RichardsonHistorically Low Interest Rates Now Is a Good Time for House Hunting House hunting these days? You will be happy to know that 30-year fixed rate at one of lowest historical levels. The key driver is a healthy economy with low unemployment, stable growth with low risk of inflation. Consequently, homebuyers will have access to […]
The Federal Reserve and Interest Rates
/0 Comments/in Mortgage Tips /by Joel RichardsonThe Federal Reserve Announces Rate Decrease In late July, the Federal Reserve announced a rate decrease. Many customers wanted to know how that affected their mortgage interest rates. What is “The Federal Reserve”? Not the exact definition: The Federal Reserve is our central bank. As a matter of fact, there are several Federal Reserve banks, […]
Why Renovation?
/0 Comments/in Mortgage Tips /by Joel RichardsonRenovation Expands Your Home Purchase Options Let’s face it, Austin and the Austin metro area are highly competitive markets with buyers competing for limited inventory. According to an article published in the Austin Business Journal, we are facing a housing crisis. In a market with low inventory, a buyer finds it more challenging to find […]
Most Common Mortgage Questions
/0 Comments/in Home Loans /by Joel RichardsonMortgage Frequently Asked Questions There are a lot of questions about mortgages. Here are answers to the three most common mortgage questions: 1. What is a mortgage? A mortgage is a loan that secures real property with a legal agreement. When a home buyer decides to purchase a home, she may not be able pay […]
4 Ways to Make Downsizing Easy
/0 Comments/in Homeowner Tips /by Joel RichardsonWhat is Driving the Downsizing Trend? Downsizing is a continuing trend. Some key reasons we see this continued trend include: empty-nesters as children graduate from high school or college; lifestyle demands for those desiring a more efficient and smaller home to lock and leave; and obviously the financial benefit of a decreased mortgage or rent […]
Reflections on a Wonderful 2018
/0 Comments/in Austin Mortgage Updates /by Joel Richardson2018 Was A Great Year! Reflecting back on 2018, I am so grateful to you, my clients, for your continued patronage of my business. By December 31, we will have helped over one hundred families secure financing for their dream homes and real estate investments this year. Looking at my numbers, most of my customers […]
Low to No Down Payment Options
/0 Comments/in Home Loans /by Joel RichardsonDown Payment Solutions Undoubtedly, the burden of a downpayment can feel like a block to homeownership. In spite of this, I have good news! There are lending solutions available to help clear the way to your home purchase. What is a down payment? A down payment, a home buyer 101 term, is the cash contribution, […]
Investment Properties Tips
/1 Comment/in Mortgage Tips /by Joel RichardsonMake Investment Properties Easier with These Tips Investment properties can seem complicated. Even so, real estate investing can be an excellent way to diversify your investment portfolio. These tips can help you navigate your way. Do your homework. First and foremost, take time to map out your personal financial goals. In particular, you will need […]
Millennial Homebuyers: Top Concerns and Tips for Home Purchasing Success
/0 Comments/in Mortgage Tips /by Joel RichardsonTips for Millennials Searching for Homes After a steady increase in home prices, many millennial homebuyers feel discouraged by financial challenges when considering entering the housing market. This pressure is particularly heavy on millennial homebuyers, which has caused many to only stick to long-term rentals. In fact, Redfin recently found that over half of millennial […]