The logo for Edge Home Finance.

Powered by Edge Home Finance, LLC

Licensed Mortgage Loan Originator

Jay Richardson

Edge Home Finance, LLC

Your home is the biggest move you’ll make. I make sure the financing behind it is just as solid — fast, clear, and built around you.

About Jay

A clear path to closing.

I’m Jay Richardson, a mortgage loan originator with Edge Home Finance, LLC — and I’ve made it my mission to take the stress out of one of life’s biggest decisions. Whether you’re buying your very first home or your fifth, I combine deep local market knowledge with a wide range of loan products to find the right fit for your situation. No guesswork. No runaround. Just a clear path to closing.

First-Time Buyers

I specialize in guiding first-time homebuyers through every step — from pre-approval to keys in hand — with plain-language explanations and zero judgment.

Learn more →

Fast Closings

Time matters in today’s market. My streamlined process is designed to move quickly without cutting corners — so you can compete with confidence.

Learn more →

Local Expertise

I know this market inside and out. That local insight helps me anticipate challenges, price your financing competitively, and advocate for your deal.

Learn more →

Wide Loan Menu

Conventional, FHA, VA, USDA, jumbo, and more — I have the product depth to match your finances to the right program, not squeeze you into a box.

Learn more →

Google star 1Google star 2Google star 3Google star 4Google star 55.0
5.0Google star 1Google star 2Google star 3Google star 4Google star 5
Top Rated Service
Verified by Trustindex
Trustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
Posted on Google Google
L B profile picture
L B
38 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I recently worked with Jay on my first home purchase. He and his team were immensely helpful in navigating the loan process, providing expert knowledge specific to my circumstances, including V.A lending practices. Throughout the process, he was professional and quick to respond to any inquiries. I will surely recommend him to my associates and consider him for future home loan needs.

Owner's reply
Hey Lucas, Thank you so much for your thoughtful review! It was truly a pleasure helping you purchase your first home. I'm grateful for the opportunity to guide you through the loan process and help you navigate the unique aspects of your VA financing. Buying a first home is a significant milestone, and I'm honored you trusted me to help make the process as smooth and stress-free as possible. Your recommendation means a great deal to me. I pride myself on providing knowledgeable guidance, clear communication, and prompt service throughout every step of the mortgage process, so it's incredibly rewarding to know that was your experience. Congratulations again on your new home! I wish you many years of happiness there. If you ever have questions about your mortgage, refinancing, or your next home purchase, I'll be here to help. And if any of your friends, family, or fellow veterans are looking for a trusted mortgage professional, I'd be honored to assist them as well. Thank you again for your trust and support!
Posted on Google Google
Ray Niel Lorena profile picture
Ray Niel Lorena
56 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.


Owner's reply
Thank you Ray!
Posted on Google Google
Rhyan Lopez profile picture
Rhyan Lopez
61 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
I had a great experience working with Jay. He made the whole mortgage process way less stressful than I expected. He was always quick to respond, explained and broke everything down in plain english, and kept me in the loop every step of the way.

Owner's reply
Rhyan, Thank you so much for your kind words! It was truly a pleasure helping you through the home financing process. Buying a home is a major milestone, and I'm glad I could make the mortgage process feel less stressful by keeping you informed and explaining everything in a way that made sense. Clear communication is something I strive for with every client. Thank you again for trusting me with your home loan. I hope you're enjoying your new home, and if you ever have questions about your mortgage, refinancing, or future home purchases, I'm always here to help. Congratulations again, and thank you for taking the time to share your experience!
Posted on Google Google
Jason Nanez profile picture
Jason Nanez
70 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay is an excellent loan officer and I had no hesitation using him again when I was ready to buy my next home. He's thorough, timely, and very personable. He makes a complex process like buying a home feel straightforward, which certainly takes some of the stress off the big decision.

Owner's reply
Hey Jason, Thank you so much for the kind words — and for trusting me again with your next home purchase! Repeat clients mean the world to me, and it was truly a pleasure working with you a second time. Making the process feel less overwhelming is always the goal, so hearing that it came through means a lot. Wishing you all the best in your new home, and don't hesitate to reach out anytime down the road! — Jay Richardson | Edge Home Finance | NMLS# 1962748
Posted on Google Google
Evan Crump profile picture
Evan Crump
71 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Easiest refinance I ever experienced. Thank you to Jay and his team. Highly recommended

Owner's reply
Hey Evan, Thank you so much — that genuinely means a lot coming from you! When someone who works in finance every day says the process was easy, I know we did our job right. It was a pleasure working with you and I'm glad we could make the refinance seamless. I'd love to be a resource for any of your clients when the time is right — don't hesitate to send them my way. Looking forward to working together again! — Jay Richardson | Edge Home Finance | NMLS# 1962748
Posted on Google Google
Kristina Thayer profile picture
Kristina Thayer
164 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Working with Jay made the entire loan process smooth and stress-free. He was clear, responsive, and kept everything moving efficiently from start to finish. I really appreciated how easy he made everything, I highly recommend working with him!

Owner's reply
Thank you so much for your kind words Kristina! It was truly a pleasure working with you and helping you through the loan process. My goal is always to make things as smooth and stress-free as possible, so I’m glad to hear I could deliver that experience. I genuinely appreciate your trust and recommendation. If you ever need assistance again or have any questions in the future, don’t hesitate to reach out. Thank you once again for your wonderful feedback!
Posted on Google Google
Jim Reed profile picture
Jim Reed
188 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
My experience with Jay Richardson and his team in my recent refinance was excellent. Jay listened to what I wanted to accomplish and recommended a mortgage solution that fit my needs perfectly. From application to closing took less than 30 days. The communication from Jay and everyone else on his team was pretty amazing. An all around great exceptional experience.

Owner's reply
Thank you so much for your thoughtful review! It was truly a pleasure working with you on your refinance. I’m glad we were able to find a mortgage solution that aligned perfectly with your goals and get everything completed in under 30 days. Our team works hard to make the process smooth, efficient, and well-communicated from start to finish, so your feedback means a great deal to all of us. We sincerely appreciate your trust and the opportunity to assist you. If you ever have questions in the future or need anything at all, we’re always here to help. Thank you again for your kind words and support!
Posted on Google Google
Jill Hammack profile picture
Jill Hammack
191 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay was attentive and responsive. I felt I could absolutely trust him throughout the entire process. I’ve already recommended his services to friends and family!

Owner's reply
Thank you so much, Jill! I really appreciate you taking the time to leave this review. I’m so glad you felt comfortable and confident throughout the process—that’s exactly how it should feel. And thank you for recommending me to your friends and family—that truly means a lot. It was great working with you, and I’m always here if you ever need anything down the road!
Posted on Google Google
Sherry Ott profile picture
Sherry Ott
191 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay handled our loan and all the surrounding processes with great attention to detail and personal care. He was up early each day, watching mortgage rates, and he called to check in regularly. I felt comfortable asking questions, and Jay was always happy to explain things. I knew I could trust Jay to look out for our best interests. Thank you, Jay!

Owner's reply
Thank you so much for your kind words, Sherry! It truly means a lot to hear that you felt supported and well-informed throughout the process. Helping you navigate your loan with confidence and clarity was my top priority, and I’m so glad you felt comfortable asking questions along the way. It was an absolute pleasure to help your family get into your new home. Being part of such an important milestone is something I never take for granted. Thank you again for your trust—I’m always here if you need anything in the future!
Posted on Google Google
Justine Griffith profile picture
Justine Griffith
1318 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Jay was wonderful to work with as a loan officer for the purchase of our new home. He helped us keep everything on track to allow for a swift closing, even during the holiday season. He explained the process thoroughly and was quickly responsive when we had questions. I would highly recommend him for any mortgage needs.

Owner's reply
Thank you for giving our Homebridge team the opportunity to help with your home financing. We appreciate your trust and are grateful you took time out of your day to leave us this review.