Why Work with Loan Factory

Have questions about financing? We’re here to help.

Michael Richardson is a Mortgage Loan Originator with over 35 years of lending experience. Whether you’re buying your first home, upgrading, retiring, or investing, we can help you understand your financing options and find a loan program that fits your needs.

Ask us about:

• Conventional, FHA, VA & USDA Loans
• First-Time Homebuyer Programs
• Investment Property Financing
• Reverse Mortgage Purchase & Refinance (62+)
• Seller-Paid 2-1 Interest Rate Buydown Programs that can help lower your monthly mortgage payments during the first two years of your loan (subject to lender approval and program guidelines).
• Down Payment Assistance Programs (where available)

Michael Richardson
Mortgage Loan Originator
Loan Factory
NMLS #216873
Loan Factory NMLS #320841

📧 mrichardson@loanfactory.com
📱 Call or Text: (386) 895-1564
🌐 Website: www.loanfactory.com/michaelrichardson⁠