Joel Richardson

Austin Mortgage Lender

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VA Home Loan Lenders

Austin VA Home Loan & VA Loan Refinance Experts

A VA home loan is a great benefit to military personnel during and after their service. Joel Richardson, a PrimeLending Branch Manager with over 20 years of finance experience, understands the importance of a “home base” for military members and their families, and is proud to be able to help active and retired military use this product to meet their unique needs.

VA home loans are partly guaranteed (typically a quarter of loan value) by the U.S. Department of Veterans Affairs and offer the following advantages:
—No down payment
—Higher loan value
—No private mortgage insurance
—Limit on closing costs
—Option for seller to pay closing costs
—No penalty fee for early payoffs
—Possible VA assistance if you have difficulty with payments

Joel Richardson and his team are honored to have assisted thousands of Texas Veterans and Veterans nationwide. As an accredited member of the Veterans Advocacy & Benefits Association (VABA), Joel considers it a privilege to help veterans.  The national presence of PrimeLending allows his team to help Veterans in every situation. Active duty deployed overseas? Returning home? Joel and his team are happy to help you! Joel and his team are experienced and knowledgeable when it comes to the Texas Veteran Land Board (VLB) program and the nationwide VA Loan program. They will pay detailed attention to help make sure a Veteran and her/his family’s home financing needs are met with ease.
Get started on your VA loan today by connecting with Joel with an easy online form or a quick phone call. Joel’s team can walk you through the pre-qualification process.

Eligibility

Wondering if you are eligible? To benefit from VA loans, applicants must obtain a certificate of eligibility from the Department of Veterans Affairs. Once certified, VA members can apply to use the guaranty for financing or refinancing options such as:

  • Purchase or build a new home
  • Purchase a condominium or duplex
  • Purchase and improve a new home
  • Refinance an existing home loan
  • Install energy improvements

Qualified service members are those that have received an honorable discharge from an eligible branch of the service, including the U.S. Army, Navy, Air Force, Marines, Coast Guard, Nat. Guard and Reserve and US. Military academies.

Programs

Home Purchase

Buying a home may be more affordable than you think. We have several programs that provide low down payment or no down payment options.

VA Home Loan Refinance

Existing homeowners with conventional, FHA, USDA and or other programs may be eligible to refinance. Veterans count on us for assistance to evaluate whether it’s time to improve their interest rate and payment with their existing VA benefits.

Remodel/Renovation Loans

Also, if you are an existing VA homeowner and needs to make updates to your home, we can assist you with a Veteran renovation loan.

Types of VA Loans

There is a VA loan to fit your needs:

  • VA Fixed Rate Home Loan
  • VA Adjustable-Rate Mortgages
  • VA Jumbo Home Loan
  • Cash-out Refinance Loans
  • Interest Rate Reduction Refinance Loan (IRRRL)

Award Winning Service

Consistently rated with five star service as a leading lender locally and nationwide, Veterans can trust Joel Richardson and his team to provide prompt, reliable, and trustworthy service to find the best Texas VA or VA home loan option to fit their needs.

Joel Richardson, Austin Mortgage Lender
Call Joel Richardson
(512) 637-0932 office
(512) 203-8244 mobile
(877) 762-7359 fax

Apply Online Now!

PrimeLending
8310 N. Capital of Texas Highway
#195
Austin, TX 78731

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Joel Richardson, Austin Mortgage Lender
PrimeLending
8310 N Capital of Texas Hwy #195
Austin, TX 78731

Tel: (512) 637-0932
Google Maps: Get Directions
Fax: 877-762-7359


The views expressed here are my own and don’t necessarily represent my company’s positions, strategies or opinions. In accordance with Section 326 of the USA PATRIOT Act of 2001, PrimeLending NMLS: 13649 is required to obtain a copy of the documents used in identifying our new account customers. This notice is being provided to you for adequate notice given under this act. This website marketing is not intended to offer loan services for properties in New York. PrimeLending Disclaimer