These rates assume a 780 credit score, $200,000 loan amount and 25% equity, please contact us for other scenarios and no closing cost options. We offer a full range of closing cost options. All loan estimates are provided with several different interest rate & closing costs combinations to ensure that the goals of our clients are met.
All primary residences and second home purchase and refinances, as well as many investment properties, include a "no closing costs" option. We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.
All primary residences and second home purchase and refinances, as well as many investment properties, include a "no closing costs" option. We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.
Services
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases. Lenders analyze your credit scores to determine whether or not to approve a home mortgage, a car purchase and nearly all other types of loans. Before lending you money, creditors want to determine how much of a risk you are-in other words, how likely you are to repay the money they loan you.
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases. But is it really beneficial to pay more money in upfront costs to get a lower interest rate? The answer to this question depends on your personal financial situation and how long you plan on living in the home or having the mortgage in place.
Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases. Fixed-rate mortgages and adjustable-rate mortgages (ARMs) are the two primary mortgage types. While the marketplace offers numerous varieties within these two categories, the first step when shopping for a mortgage is determining which of the two main loan types - the fixed-rate mortgage or the adjustable-rate mortgage - best suits your needs.
Reviews (9)
Lauren Bucci
Nov 29, 2019
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Jim Richards is the mortgage whisperer!! I just purchased my first new home and it was almost TOO EASY! He gave great advice, responded to any question that came up immediately. I will definitely be using Jim/Waters Edge Mortgage for any future home purchases and I highly recommend them to anyone in the market.
Chris Leyva
Nov 06, 2018
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Jim is awesome! He helped me finance and close on my first home in a record 15 days. He went above and beyond my expectations. I particularly liked that he always responded quickly to emails, calls and even texts which helped streamline the process. I will be forever grateful to him and his team and will definitely recommend him to all.
Jennifer Matcho
Oct 19, 2018
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I have recently worked with Jim Richards on the purchase of my new home. I have purchased & refinanced many homes over the years, but would like to say that this was the absolute best experience I have had to date. Jim kept me informed throughout the entire process, the information requests were organized and to a minimum, while giving me the sense of assurance that we were always on track. We were ready to close at least a week before the actual closing date and both of the Realtors were impressed as well.
I would recommend WatersEdge Mortgage to my friends and family without reservation.
I would recommend WatersEdge Mortgage to my friends and family without reservation.
Katja Borosch
Aug 18, 2018
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Best and easiest experience ever when it comes to my home refinance. Jim has been super easy and a pleasure to work with. He is very dependable and reliable and on top of things, will communicate clearly and in a timely manner (as I business owner myself I truly appreciate this). I will be happy to continue using Jim and his company for any of my future real estate transactions.
Mike B.
May 24, 2018
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As two self employed people with an existing home and various forms of non-traditional income (stock/trading), we were far from a straight forward mortgage situation. Finding Jim was a blessing as he is a CPA so understands the #'s and made the process much easier for us. While the mortgage process is often stressful, Jim handled every situation with ease.
Marie Bizet
Dec 24, 2017
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Shawn Stanley
Aug 23, 2017
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I have worked with several lenders in my 14 years as a Realtor, Water's Edge Mortgage is by far the best. They care about home buyers, they take time to explain options that can be better than one-size fits all. They are smart and detail oriented so they get the job done right. Most importantly they close on time. Nobody wants to sleep in a motel, with a truckload of furniture because "The Bank" did not care enough to wrap up the loan on time.
Mark Brenner
Jul 18, 2017
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After buying 2 homes and doing 2 refi in the past 10 years, I can say without a doubt that this was the easiest transaction of the all. Jim and his staff gave us great advise, answered all our questions, kept us in the loop, no surprises, did everything do save us money, and made closing a breeze. Highly recommend WatersEdge to anybody.
Alex Stylianou
Sep 21, 2016
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Over the past year and a half, I have refinanced homes with Jim, and also purchased investment property loans. There is a reason I come back to him time and time again. Jim, Karen and his team are better than it gets. It is not easy to stay organized with simultaneous loans happening at the same time yet they made it look easy. Jim is a people's person and not only charming and likable, but extremely knowledgeable with confidence. The Bostonian Accent helps too! ...I can be busy at times, and they knew exactly how I prefer to communicate; text/email/phone, this was important. What I also loved
