Jimmy Richards - Branch Manager - NMLS # 1206689

  • Home
  • Jimmy Richards - Branch Manager - NMLS # 1206689
Directions Website

Jimmy Richards - Branch Manager - NMLS # 1206689 LENDING LOUD

Tough scenarios, Straight answers, Smarter loan structure.

GET A SECOND LOOK

VA Loans • First-Time Buyers • Jumbo • Renovation • Investors
New American Funding | NMLS # 6606 | www.nmlsconsumeraccess.org

🎃👻 HAPPY HALLOWEEN, HAMPTON ROADS! 🏡🍬Whether your home is the spookiest on the block, your porch is overflowing with pum...
31/10/2026

🎃👻 HAPPY HALLOWEEN, HAMPTON ROADS! 🏡🍬

Whether your home is the spookiest on the block, your porch is overflowing with pumpkins, or you’re just hoping the kids leave you a few Reese’s tonight… I hope you and your family have a BOO-tiful Halloween! 🦇🕸️

🏡 VIRGINIA BEACH PARENTS — KNOW BEFORE YOU GO!

According to the City of Virginia Beach, here’s the scoop on trick-or-treating tonight:

🎃 When: Saturday, October 31, from dusk until 8 PM

👻 Who: Children ages 12 and under

🍭 Where: Your favorite neighborhood haunts!

📍 Check out the city’s official Halloween guidance here:

🔗 Virginia Beach Trick-or-Treating Rules & Guidelines

🚨 A FEW TIPS TO KEEP YOUR LITTLE MONSTERS SAFE:

🔦 Bring flashlights or glow sticks so drivers can see you.

🚸 Use sidewalks and crosswalks whenever possible.

👨‍👩‍👧‍👦 Keep younger trick-or-treaters with a responsible adult.

🚗 Drivers, slow down! Our neighborhoods will be full of excited little ghosts and goblins tonight.

🍬 Have an adult check the candy before the kids dig in!

For more great Halloween safety tips, check out:

🔗 Safe Kids Worldwide — Halloween Safety Guide

🧡 FROM MY HOME TO YOURS…

One of the things I love most about Hampton Roads is seeing our neighborhoods come alive with families making memories. That’s what HOME is really about. 🏡❤️

And while I help people find their way into homes all year long, tonight I’m just hoping nobody gets stuck with all the candy corn. 😂🍬

👇 LET’S HAVE SOME FUN!

🎃 What’s the BEST neighborhood in Hampton Roads for trick-or-treating?

Drop your favorite neighborhood in the comments! 👇

📸 BONUS: Show off those costumes! Let’s see your little superheroes, princesses, monsters, and ghosts!

Have fun, stay safe, and HAPPY HALLOWEEN from JimmytheLO and New American Funding! 🎃🏡🧡

🎃👻 DON’T LET MORTGAGE TERMS HAUNT YOU! 🏡💀Underwriting… Appraisals… Escrow… Closing Costs… 😱Sound like something straight...
30/10/2026

🎃👻 DON’T LET MORTGAGE TERMS HAUNT YOU! 🏡💀

Underwriting… Appraisals… Escrow… Closing Costs… 😱

Sound like something straight out of a horror movie? 🎬🕸️

FEAR NOT! Your friendly neighborhood mortgage expert is here to make the scary stuff SIMPLE! 🦸‍♂️🔑

Buying a home shouldn’t feel like walking through a haunted house. 🏚️👻 Whether you’re a first-time buyer, a military family using your VA benefits, or a seasoned homeowner, I’ll help you navigate the mortgage maze with confidence! 💪

🧙‍♂️ No tricks. Just guidance to help you make informed decisions!

📲 Ready to take the FRIGHT out of financing?

💬 Comment “BOO!” below or send me a DM, and let’s talk about your homeownership goals!

🎃 Happy Halloween from Jimmy the LO! 👻🏡

🇺🇸 VA LOANS: Let’s Separate the MYTHS from the FACTS! 🏡After helping military families and veterans navigate the homebuy...
28/10/2026

🇺🇸 VA LOANS: Let’s Separate the MYTHS from the FACTS! 🏡

After helping military families and veterans navigate the homebuying process, one thing I’ve learned is that misinformation about VA loans can cost buyers opportunities.

Let’s clear up THREE of the biggest misconceptions! 👇

❌ MYTH #1: VA appraisals kill deals.
✅ FACT: VA appraisals are designed to protect buyers by evaluating property value and ensuring homes meet minimum property requirements.

❌ MYTH #2: VA loans are difficult to qualify for.
✅ FACT: VA loans offer incredible flexibility! The VA doesn’t establish a minimum credit score, and lenders evaluate your overall financial picture. Lender requirements and underwriting approval still apply.

❌ MYTH #3: VA loans have strict loan limits.
✅ FACT: Eligible veterans with full VA entitlement have NO VA-imposed loan limit! Your purchasing power is determined by your qualifications and lender approval.

💡 THE BOTTOM LINE:

Your VA home loan benefit is one of the most powerful homeownership tools available to eligible military members and veterans. Don’t let outdated information or misconceptions keep you from using a benefit you’ve earned.

🎖️ Your service earned the benefit. My job is to help you maximize it.

Whether you’re buying your first home, relocating to Hampton Roads, or exploring your next move, I’m here to help you understand your options.

📲 Have questions about VA financing? Send me a message!

🇺🇸 Jimmy Richards |
🏡 Branch Manager | New American Funding

All loans subject to credit approval, eligibility, and underwriting requirements.

03/10/2026

🇺🇸 JUST FUNDED! 🏡🔑

First-time homebuyer. Active Duty U.S. Navy. A crazy real estate market. Rate turbulence. Repairs. Negotiations.

And at the end of it all? A great home with LESS than $1,000 total out of pocket! 💪

This one took some navigating, but that’s exactly what we’re here for. The goal isn’t just to get a loan approved—it’s to understand the options, solve problems as they come up, and build a financing strategy that gets our clients across the finish line. 🇺🇸⚓️

And yes… we were CLEAR TO CLOSE EARLY. 😂✅

Huge thank you to Brenton Ryder for expertly negotiating a fantastic deal for our client and advocating for them every step of the way. 🤝

And a big thank you to TitleQuest for an incredibly smooth transaction on the settlement side. When you have the right professionals working together, it makes all the difference. 👏

📲 Thinking about buying a home but worried about rates, cash-to-close, credit, or whether you can even make the numbers work?

Don’t count yourself out before you know your options. Let’s build a game plan and find out what’s actually possible.

🇺🇸 VA Loans | 🏡 First-Time Buyers | 🛠️ Renovation | 💰 Jumbo | 🧩 Tough Credit Scenarios

🏡 CLEAR TO CLOSE… AND WE’RE EARLY! 🇺🇸🔥Huge congratulations to my client — an active-duty service member and first-time h...
01/10/2026

🏡 CLEAR TO CLOSE… AND WE’RE EARLY! 🇺🇸🔥

Huge congratulations to my client — an active-duty service member and first-time homebuyer — who is officially CLEAR TO CLOSE ahead of schedule! 🎉🔑

Buying your first home while serving our country comes with enough moving pieces. My job is to make the financing side as smooth, strategic, and stress-free as possible. 💪

Now we’re just counting down the days until those keys are in hand! 🏠🔑🇺🇸

Active duty, veteran, or thinking about using your VA home loan benefit? Let’s talk. Whether it’s your first home or your next one, I’d be happy to help you understand your options and build a game plan. 📲

🏡 Buying a home? Getting approved is only part of the process.Once you’re under contract, what you do with your money, c...
01/10/2026

🏡 Buying a home? Getting approved is only part of the process.

Once you’re under contract, what you do with your money, credit, and employment can have a real impact on your home loan. 👀

That means:
✅ Keep making payments on time
✅ Keep your finances as consistent as possible
🚫 Avoid opening new credit
🚫 Avoid unexplained large deposits or moving money around without talking to your lender first
🚫 And maybe hold off on financing that new furniture until after closing 😅

And don’t forget about closing costs. 💰 They’re separate from your down payment and can include things like title/settlement charges, prepaid items, appraisal costs, government/recording fees, and escrow reserves.

The key? Ask questions BEFORE making financial moves during the mortgage process. A quick conversation with your Loan Officer can save you a major headache later. 🔑

📲 Thinking about buying a home? DM me “HOME” and let’s build your game plan before you start shopping. Whether you’re buying your first home, using your VA benefit 🇺🇸, or just trying to figure out what you can comfortably afford, I’m happy to help.

🏡 Waiting for mortgage rates to drop before making a move?You’re definitely not the only one—but waiting for the “perfec...
30/09/2026

🏡 Waiting for mortgage rates to drop before making a move?

You’re definitely not the only one—but waiting for the “perfect” rate can have a cost of its own. 📉⏳

And if you already own a home, there’s another strategy worth knowing about: mortgage recasting.

💰 Make a significant principal payment
📉 Reduce your remaining loan balance
🏠 Potentially lower your monthly principal & interest payment
🔒 Keep your existing interest rate and remaining loan term

No full refinance. No replacing a great rate you may already have.

The bigger point? Your mortgage strategy shouldn’t begin and end with “What are rates today?” There may be options available depending on whether you’re buying, selling, or trying to improve the financing on a home you already own.

📲 Want me to run through what makes sense for your situation?
DM me “OPTIONS” and let’s look at the numbers.

🇺🇸 También puedo ayudar a compradores que prefieren hablar en español.

🏡 If buying a home is on your radar, THIS is a week worth paying attention to. 👀According to new research from Realtor.c...
28/09/2026

🏡 If buying a home is on your radar, THIS is a week worth paying attention to. 👀

According to new research from Realtor.com, September 27–October 3 is the best week to buy a home nationally in 2026 — based on the combination of inventory, competition, prices, time on market, new listings and price reductions.

📊 Here’s what the data says buyers could see this week:

🔑 31.9% more active listings than at the beginning of the year
👥 30.1% less buyer competition than the annual peak
⏳ Homes spending about 13 more days on the market than during the fastest part of the year
💰 Listing prices about 3.5% below their seasonal peak — roughly $14,000 in potential savings on a median-priced home around $416,000
🏷️ More price reductions and potentially more room to negotiate

That doesn’t mean everyone should rush out and buy a house this week. The right time to buy is when the home, financing and monthly payment make sense for YOU. And local markets don’t always follow the national trend exactly.

But if you’ve been sitting on the sidelines waiting for more choices and a little less competition, this could be a very good time to take another look. 🏠🍂

📲 Want to know what buying could look like with your budget? Send me a DM with “HOME” and I’ll help you run the numbers, review your financing options and get a game plan together.

🇪🇸 ¿Prefieres hablar en español? Mándame un mensaje y con gusto te ayudamos.

Source: Realtor.com Economic Research, The Best Time To Buy a Home Is the Week of Sept. 27–Oct. 3, Sept. 14, 2026. The analysis uses six seasonal housing-market metrics and historical data from 2018–2025, excluding 2020; mortgage rates are not part of the scoring methodology.

Read the Realtor.com research⁠

🏡 You can’t control the market. You CAN control how you respond to it.Rates move. Appraisals come in where they come in....
25/09/2026

🏡 You can’t control the market. You CAN control how you respond to it.

Rates move. Appraisals come in where they come in. Guidelines change. Deals get complicated. Buyers get nervous.

That’s mortgage. 🤷🏻‍♂️

But here’s what I can control:

I can answer the phone.
I can dig deeper instead of giving you a quick “no.”
I can structure the loan differently.
I can look at seller credits, buydowns, down-payment options, alternative programs, and ways to improve the overall deal.
And when something gets difficult, I can stay in the fight until we’ve exhausted the realistic options. 💪🏻🏡

Because people don’t stop needing homes just because the market gets challenging.

Families grow. Careers change. People relocate. Divorces happen. Leases end. First-time buyers get tired of renting. Investors find opportunities.

Life doesn’t wait for the “perfect” mortgage market.

That’s why I’ve built my business around being a solutions-oriented lender, not just someone who quotes an interest rate.

Sometimes the answer really is “not yet.” But before we get there, I want to know we asked the right questions and explored the right options.

And REALTORS® — that’s what I want to bring to your business, too. 🤝

Not just another preapproval letter.

A lending partner who helps you find a way forward when the deal gets complicated. 🔑

📲 Got a buyer scenario that needs a second look? DM me “SCENARIO.”
Let’s see what we can figure out.

🏡 Your path to homeownership may be more possible than you think.No Social Security number? That doesn’t automatically m...
23/09/2026

🏡 Your path to homeownership may be more possible than you think.

No Social Security number? That doesn’t automatically mean no mortgage. 🔑

New American Funding has expanded its ITIN financing options, creating another path to homeownership for borrowers who may have thought the answer was simply “no.”

🔥 As little as 10% down
🏠 No mortgage insurance
💰 Loan amounts up to $1,000,000
💼 Self-employed? There may be options for you, too.

If you have an ITIN and have been paying rent while wondering whether buying a home is actually possible, it’s worth having the conversation.

And REALTORS® — if you have a client with an ITIN and you’re not sure where to turn, send them my way. This is exactly the kind of scenario where having more financing options matters. 🤝

📲 DM me “ITIN” and let’s find out what options may be available.
Your next address might have your name on it. 🏡🔑

Program eligibility, loan terms, down payment requirements, and approval are subject to applicable underwriting guidelines. Not all borrowers will qualify.

Address


Website

Alerts

Be the first to know and let us send you an email when Jimmy Richards - Branch Manager - NMLS # 1206689 posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

  • Want your business to be the top-listed finance company?

Share