Joel Richardson is a senior mortgage professional affiliated with First Community Mortgage, operating in Austin, Texas. The organization, registered under NMLS ID 136881, functions as a residential mortgage lender and branch leadership entity within the First Community Mortgage network, providing loan originator services and retail mortgage operations. Its history ties to a broader mortgage-banking framework, with the Austin office representing a local extension of national mortgage offerings and credentialed loan professionals serving borrowers in Central Texas.
Operational scope centers on residential mortgage origination, underwriting collaboration, and loan processing within applicable state and federal guidelines. The entity emphasizes standard industry practices for loan applications, disclosures, and compliance, while coordinating with senior leadership to manage branch performance and customer service workflows. Primary activities include assisting borrowers with loan program selection, documentation gathering, and navigation of the loan approval process. This description remains focused on organizational nature, history context, and core functions without venturing into external performance metrics or promotional language.
Address
2021 Guadalupe St #260, Austin, TX 78705
Phone
(512) 20 38 244Website
firstcommunitymortgage.comBetter than 64% of providers in Austin
In addition to the primary service, Joel Richardson - First Community Mortgage - NMLS ID 136881 also offers:
Links and information about Joel Richardson - First Community Mortgage - NMLS ID 136881:
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www.zillow.comJoel Richardson is a Senior Loan Officer in Austin, Texas. Contact him today! 512-203-8244
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www.firstcommunitymortgage.comCity 1st has been in the business of residential and construction lending since its establishment in 1992. Its principal and staff are well-versed in all aspects of the residential and construction loan industry including draws, inspections, underwriting, mortgage, and contract law, etc., and hold multiple bachelor's and master's degrees in their respective areas of expertise. Each of the company's senior officers has long established careers in mortgage banking, real estate, and venture...
www.linkedin.comYour Austin mortgage lender go-to for home renovation and custom construction projects. Partnering with First Community Mortgage
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www.firstcommunitymortgage.comThis is a comprehensive mortgage FAQ (frequently asked questions) for the general home buying process and the new disclosure rule.
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Find answers to common questions
Joel Richardson - First Community Mortgage - NMLS ID 136881 is listed as a financial service provider in Austin, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Joel Richardson - First Community Mortgage - NMLS ID 136881 to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Joel Richardson - First Community Mortgage - NMLS ID 136881, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Joel Richardson - First Community Mortgage - NMLS ID 136881 with other providers in Austin and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Joel Richardson - First Community Mortgage - NMLS ID 136881 has a rating of 5.0, which is better than 64% of providers in Austin.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Joel Richardson - First Community Mortgage - NMLS ID 136881 requests. It is always best to call ahead using the phone number on this page so Joel Richardson - First Community Mortgage - NMLS ID 136881 can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Joel Richardson - First Community Mortgage - NMLS ID 136881 also offers: Mortgage lender, Financial consultant.