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Michael S Richardson
Loan Officer | Home Loan Strategist
We offer low mortgage rates available along with a convenient online loan application process supported by a team of experienced loan officers.
Bio:
Florida Reverse Mortgage Specialist | Mortgage Professional Since 1989
Michael S. Richardson is a Florida Reverse Mortgage Specialist and Mortgage Professional with more than 35 years of lending experience. Since 1989, he has helped homeowners navigate mortgage financing solutions designed to improve financial security, increase cash flow, and achieve long-term retirement goals.
Specializing in FHA-insured Home Equity Conversion Mortgages (HECM), Michael works with homeowners age 62 and older to explore how a Reverse Mortgage may help eliminate required monthly mortgage payments, access home equity, purchase a retirement home, or create greater financial flexibility during retirement.
Michael believes Reverse Mortgages are more than just a loan—they are a retirement planning tool. He is passionate about educating seniors, retirees, and their families about how today's Reverse Mortgage programs can be used strategically to help preserve retirement assets, supplement income, finance home improvements, or support aging in place.
Whether clients are looking to refinance an existing mortgage, purchase a new home closer to family, downsize, or unlock a portion of their home's equity while remaining in the home they love, Michael provides personalized guidance and customized solutions tailored to their unique needs.
With a consultative and educational approach, Michael takes pride in helping clients make informed decisions without pressure. His goal is to ensure every homeowner fully understands their options and feels confident in choosing the solution that best supports their retirement lifestyle.
Why Homeowners Work with Michael:
✔ Mortgage Professional Since 1989
✔ Reverse Mortgage Specialist
✔ 35+ Years of Lending Experience
✔ FHA-Insured HECM Expertise
✔ Reverse Mortgage Purchase Specialist
✔ Personalized Retirement Financing Strategies
✔ Serving Homeowners Throughout Florida
Explore Your Reverse Mortgage Options Today
If you are age 62 or older and would like to learn how a Reverse Mortgage may fit into your retirement plans, contact Michael for a complimentary, no-obligation consultation and personalized analysis.
While Reverse Mortgages are Michael's primary specialty, he also assists Veterans, First-Time Home Buyers, and traditional mortgage borrowers with VA, FHA, Conventional, Jumbo, and investment property financing throughout Florida.
Michael S. Richardson
Reverse Mortgage Specialist
Loan Factory
NMLS #216873
Get more information for your personal Reverse Mortgage
NMLS#: 216873
License: FL
Spoken Language: English
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Mortgage Rates
Why are our rates so low?
- 1. WE SHOP RATES FOR EVERY LOAN: We compare rates from 232 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
232+
Number of Lenders
20213+
(Avg. 5.0) Google Reviews
2559+
Loan officers
48
Licensed states
Ready to settle your mortgage plan?
We are here to help you with the great deal in the market.
Services We Offer
Home Purchase
Are you a first-time home buyer? Let's make an easy start with us. We will guide you through all the paperwork. All you need to do is to trust us and relax.
Refinance Low Rate
Need to refinance to get a better rate? We will get great deals for your financial plan. As rate is updated in real time from lenders, your refinance plan will just get better.
Refinance Cash Out
A cash-out refinance is one of several ways to turn your home's equity into cash. We will help you with your financial plan.
Rudy provided a great buying experience for me in purchasing a home in Monterey Park, CA. He knew the area well, provided excellent guidance, responded quickly when I had questions, and also help me negotiate a highly competitive house that was hot on the market. Thanks Rudy!
Aileen was a pleasure to work with, she helped us to buy a home which we were waiting for a long time. She goes above and beyond to get things done on time. Very prompt in follow ups, responding to emails and text messages. I strongly recommend Aileen if you are buying a house, you can rely on.
Michael is a professional and a gentleman. He was always on time; always prepared; always willing to go the extra mile. He answered all of our questions and provided details and explanations when we were puzzled. He was never flustered, never in a hurry, and never angry. Michael was a pleasure to work with. We are immensely satisfied with Michael's service.
Why Us
Independent Advice.
We commit to always give you independent advice regarding real estate and mortgage options.
Customer First.
We make less per loan than competitors and pass the extra savings to borrowers.
Low Available Rates
You will always get great deals with our real-time pricing engine.
Fast, Convenient, Local Service.
we are just one call away from your requirement.
Fast funding,
easy application.
Get your loan today!
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