Our goal is to provide the lowest rates and costs in the industry for refinancing and home purchases in Florida.We offer residential mortgages for purchase transactions & refinances for Conventional, FHA, VA & Reverse mortgages.We are a local mortgage firm owned by a CPA and we do business only in Florida. This gives us specific knowledge of the local mortgage environment and the ability to financially advise our clients at a much higher level.Our additional goal is to ensure the most efficient and constant communication so that our relationships only grow stronger from the application through closing. We look forward to an opportunity to meet you in person.

WatersEdge Mortgage Reviews

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Lauren Bucci

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.

Jennifer Matcho

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.

Chris Leyva

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.

Katja Borosch

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

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.

alex stylianou

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 about WatersEdge was their organizational skills ....they truly were exemplary. I never had to send the same documents more than once...they kept an up to date and accurate portfolio on me. The second thing was their knowledge. It takes a true talent to explain the who/what/where/why (especially the how) at every step of the loan process....while keeping me calm in the process, as I can get anxious at times. Jim did this with a cool, calm and confident matter. I have used other lenders in the past...I am thankful that I was recommended Jim.... I am gratified to say that every deal was on, or ahead of schedule. WatersEdge is definitely my choice in lenders and the only one that I recommend.

Shawn Stanley

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

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.

Marie Bizet

I have just one word: awesome. Buying a home can be so stressful and Jim and Karen made it so easy. No drama. What else can you ask for

WatersEdge Mortgage

12425 28th St N, Saint Petersburg FL, 33716

Call now: (727) 575-7909

http://www.watersedgemortgage.com/

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