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.

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.