Joe Richardson at Guaranteed Rate

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

10/05/2023

It’s totally understandable to be feeling financial stress right now. Read our blog to learn about proven techniques that can help you simplify your finances to relieve your financial stress: http://ms.spr.ly/61859Usu9

10/03/2023

Swipe to discover how the world of homebuying has evolved — from median home prices to financing options. Whether you’re a first-time buyer or looking to upgrade, we’ve got insights and solutions for you: http://ms.spr.ly/61859o57f

10/02/2023

09/28/2023

See which regions saw more home contracts signed in this month’s report: http://ms.spr.ly/61839mGpT

09/27/2023

When buying a home, it matters how quickly you can get a mortgage and close the deal. Find out how fast you can get approved for a mortgage from Guaranteed Rate: http://ms.spr.ly/61839ldrT

09/26/2023

Dreams of buying a home, but nightmares of what the market might look like? With a little planning ahead, and a whole slew of loan options to offer, we can help you reach your goal: http://ms.spr.ly/61869YLUw

09/23/2023

As the leaves start to change and the air gets crisp, we welcome the ! Just like the changing of seasons, it may be time for you to make a change in your mortgage situation. Whether you're looking to refinance or purchase a new home, now is a great time to explore your options: http://ms.spr.ly/61819ckH1
Contact me today to learn more!🍂🏠

09/21/2023

Home prices continued to go up in August, but that didn’t slow down home sales in some parts of the country. See where existing-home sales increased from July. http://ms.spr.ly/61879iljt