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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.

Homebuyers celebrating the purchase of their new home

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.

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Homebuyer and real estate professional completing a home purchase

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.

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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.

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Residential homes representing mortgage loan options for homebuyers

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.

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Top Rated Service
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Jamey Ryan
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We absolutely loved working with Jay to find the best loan options for our new home. Jay kept us current with regular updates on markets and trends, and that advice helped us lock in a great rate. Then the real magic started, Jay was able to line everything up and we closed on that loan in an unbelievably short period of time. We’re still in amazement and if we need anything else, we know, we’re giving Jay another call!

Owner's reply
Thank you so much for the wonderful review! It was a pleasure working with you and helping make the financing for your new home come together. I’m glad the market updates helped us find the right time to lock in your rate, and even happier that we were able to get everything completed so quickly. I really appreciate you trusting me with your home financing. Congratulations again on your new home, and I look forward to working with you again in the future!
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L B
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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!
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Ray Niel Lorena
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Owner's reply
Thank you Ray!
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Rhyan Lopez
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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!
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Jason Nanez
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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
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Evan Crump
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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