We want to be your local mortgage source!

Contact Us

James K. Richards, CPA
Managing Member/Owner
WatersEdge Mortgage, LLC
7873 3rd Avenue S
St. Petersburg, FL 33707
Telephone: (727) 575-7909, ext. 701
Facsimile: (727) 683-9448

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Information sent through our contact form is not secure. Private information, such as account numbers, should not be sent through this method. This contact request will be sent to James K. Richards, CPA, Principal upon your submission. For more information, please call (727) 575-7909, ext. 701.

Loan Rates

These rates assume a 780 credit score, $200,000 loan amount and 25% equity, please contact us for other scenarios and no closing cost options.

NMLS No. 948963 | Florida Lic No. MBR1982

Rates as of September 14, 2021, 07:22 a.m. EDT

Term Rates APR Points
30 Yr Fixed 2.750% 2.880% 0
20 Yr Fixed 2.500% 2.630% 0
15 Yr Fixed 2.125% 2.345% 0
10 Yr Fixed 2.000% 2.320% 0

Closing Costs

We offer a full range of closing cost options. All loan estimates are provided with several different interest rate & closing costs combinations to ensure that the goals of our clients are met. All primary residences and second home purchase and refinances, as well as many investment properties, include a "no closing costs" option.

We do not charge direct costs such as application or processing fees, which further ensures that we offer the most competitive programs available.