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Michael S Richardson

Loan Officer | Home Loan Strategist

Bio:

Florida Home Loan Strategist | Mortgage Professional Since 1989

With over three decades of experience, Michael specializes in helping First-Time Home Buyers achieve their dreams of homeownership. His expertise includes ZERO Down Mortgage Options and VA Loans, making home financing accessible and tailored to his clients’ needs. Michael’s dedication to personalized service and strategic guidance has earned him a reputation as a trusted partner in Florida’s mortgage industry.

Phone: (386) 895-1564

NMLS#: 216873

License states: Florida

Spoken Language: English

My video

My reviews on Google

Michael was on top of the process. He was able to get us through the process very quickly, was very communicative, and his years of experience showed in his ability to get us many discounts to help with the interest buy-down! Thank you for all you did to help us secure a great interest rate as well! HIGHLY RECOMMEND if you need a competent lender!

Got in my dream home! Expert advice on complex situation and extremely responsive. No delays and great communication! We closed today!

Michael was amazing to work with. He was very communicative and stayed on top of things throughout the whole process. He is very knowledgeable and helped my buyer get into his home with no money out of pocket but instead a refund at closing! Would recommend him if you need an experienced lender!

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Mortgage Rates

Why are our rates so low?

1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 240 lenders in real-time for you.
2. WE NEGOTIATE FOR YOU: Loan Factory is the fastest-growing Mortgage Broker in the United States. Because we have closed so many loans, we can negotiate and obtain ridiculously low rates from lenders.
3. WE LOWER OUR PROFIT: Our profit per loan is much lower than that of our competitors. We aim to earn your business and your referrals.

OUR ACCOMPLISHMENTS

240+

Number of Lenders

10913+

(Avg. 5.0) Google Reviews

1702+

Loan officers

Licensed states

What makes us different?

Lenders

Provide customized, real-time rate quotes
Immediate notification of any market rate movements
Comprehensive rate comparisons across all lenders

Loan Factory

Provide customized, real-time rate quotes
Immediate notification of any market rate movements
Comprehensive rate comparisons across all lenders

Other brokers

Provide customized, real-time rate quotes
Immediate notification of any market rate movements
Comprehensive rate comparisons across all lenders

240 Lenders in our Platform

Michigan Mutual, Inc. (MiMutual Mortgage)

Paramount Residential Mortgage Group, Inc.

Universal Lending Wholesale (changed to PowerTPO)

Finance of America - Reverse (FHA, Jumbo and Reverse 2nd)

Lead Plus Wholesale Lending/ Summit Funding

Sun West Mortgage Co Wholesale - Reverse

FundingEdge, LTD - Private and Commercial

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