Michael S Richardson

We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.

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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

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My reviews on Google

Got in my dream home! Expert advice on complex situation and extremely responsive. No delays and great communication! We closed today!
Barbara Letts
Oct 3, 2024
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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!
Charlene Magalski
Sep 25, 2024
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Michael and his team worked magic, to make my loan happen for the House we wanted, he helped every step of the way. Highly recomend!!
sean brunson
Sep 4, 2024
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Mortgage Rates

Why are our rates so low?

  • 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 218 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

218+

Number of Lenders

9705+

1538+

Loan officers

48

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
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