About Joshua Richardson | Mortgage Expert

About Joshua Richardson | Mortgage Expert

Meet Joshua Richardson, Mortgage Loan Origination at Your Home Loan Team. NMLS 2448184. Nationwide coverage, client-first approach.

A loan officer who actually answers the phone

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You deserve a mortgage experience that feels like a true partnership, not just another transaction.

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As an independent mortgage broker, I work for you—not the bank—to secure the best loan options, competitive rates, and fast approvals. With over 6 years of experience in mortgages with over 200 5-Star reviews from Google to Mortgage Lender Report, I know what it takes to get a deal done.

Fully licensed and compliant in all states we serve.

Backed by a trusted mortgage technology platform, and over 150 lenders, banks and credit unions!

Serving borrowers nationwide with full state licensing.

At Your Home Loan Team, we’ve stepped away from the big-bank approach to focus on what matters most: you. Based in Florida and serving clients across multiple states, we provide personalized guidance to navigate today’s market with confidence. Whether you’re a first-time homebuyer, a HERO, a VA borrower, or a seasoned investor, we deliver the attention and expertise you deserve. We specialize in Conventional, FHA, VA, USDA, Jumbo, Self-Employed, Rate & Cash-Out Refinances, and Reverse Mortgages. Discover the difference of working with a mortgage pro who truly puts your financial well-being first. Powered by Go Rascal NMLS #2072896

All loan approvals are conditional, not guaranteed, and subject to lender review of all information. A loan is conditionally approved when the lender has issued an approval in writing, but until all conditions are met, a loan cannot be funded. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. GoRascal is an Equal Opportunity Mortgage Broker headquartered in Brooklyn, NY. This licensee is performing acts for which a mortgage broker license is required. GoRascal is licensed by the Florida Office of Financial Regulation, NMLS# 2072896. GoRascal is approved to originate Conventional, FHA, VA, and USDA loans, and has the ability to broker such loans to Conventional, FHA, VA, and USDA approved lenders. GoRascal is not acting on behalf of or at the direction of HUD/FHA or the VA.

Your Home Loan Team powered by GoRascal. Making home financing simple, transparent, and tailored to your goals.

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