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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.
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Saint Petersburg, FloridaReviews
9 reviews
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.
