Ann Marie Richards is a seasoned mortgage professional dedicated to helping clients achieve their homeownership dreams. Since 2005, she has assisted first-time homebuyers and experienced homeowners alike with home purchases and refinances, providing tailored advice and carefully selected financing programs. With extensive experience as a broker, loan originator, and processor, Ann Marie expertly guides clients through every step of the mortgage process. Whether you're interested in a purchase, reverse mortgage, FHA, VA, or conventional loan, refinancing, or private lending, she will provide the best options available to meet your unique needs. Contact Ann Marie today to experience service with a heart and begin your journey toward your housing goals.