Jim Richards

Managing Member & Mortgage Loan Originator
NMLS 880721

Jim founded WatersEdge Mortgage in 2012 with the objective of bringing a new level of professionalism to the mortgage industry. Jim has worked extensively since that time to create a reputation based on client service and communication, while ensuring that we have a full range of mortgage products in place to achieve all of our clients’ specific goals. Jim is a licensed Mortgage Loan Originator in both Florida & Massachusetts.

Jim is originally from Massachusetts, having moved to Florida in 2008. Jim was educated at Suffolk University in Boston, MA with a major in Accounting and a minor in Economics.

Jim has also been a CPA for over 25-years, originally licensed in Massachusetts in 1996 and then again in Florida in 2010. This experience, compounded with his education has become a proven platform for excellence in the mortgage industry.

Jim is the proud father of two adult children and his move to Florida achieved his goal to enjoy boating year-round, one of his favorite activities.

Kyle Pinho

Mortgage Loan Originator
NMLS 2142174

Kyle resides in the north shore of Massachusetts with his wife Carina and expanding family. Kyle was educated at Fairfield University in Fairfield, CT with a double major in Finance and Economics, providing an excellent foundation for mortgage consulting and current economic trends.

Kyle is a licensed Mortgage Loan Originator in both Florida and Massachusetts. Kyle entered the mortgage world with an extensive background in commercial lending and an active interest in residential real estate.

Kyle takes great pride in his ability to work with his clients to obtain their objectives and help make their homeownership dreams come true.

Karen Cascone

Mortgage Loan Originator
NMLS 2383341

Karen resides on the Gulf Coast of Florida with her husband. She and her husband have jointly owned and operated a security company in Massachusetts for over 30 years. Karen has an Associates in Arts degree from Cape Cod Community College and also served in the United States Air National Guard. Karen is knowledgeable in finances, growing trends, and what is needed to help families purchase their own safe and happy home. Karen loves people and it gives her great joy to help others achieve their dreams. Karen has owned multiple homes in Massachusetts & Florida and has great understanding of all the stress and happiness that can come from purchasing a home. Karen is a licensed Mortgage Loan Originator in Florida

Mike Marino

Mortgage Loan Originator
NMLS 2192535

Mike provides a wealth of knowledge and expertise regarding mortgage loan programs. He has experience in various aspects of finance in the Florida Real Estate market. Mike helps families navigate through various loan programs including VA, FHA, Jumbo Loans, Renovation loans, and USDA. He prides himself on helping homebuyers figure out what program is truly best for them and their unique situation. “I believe that customer service is a way of life. I pride myself on being extremely accessible to all my clients and helping through the entire mortgage process. It’s important to me that every loan gets treated with the same level of care and attention to detail, ensuring it closes on time. It is not only important to give my clients great rates, but also to make them feel comfortable and confident throughout the homebuying experience.” Contact me today to discuss your real estate goals.

Christy Hirshell

Mortgage Loan Processor

Christy was originally from Maryland and now resides in the Tampa Bay area of Florida.

Christy joined WatersEdge Mortgage with an extensive background in administration. Christy has spent her entire career as an administrative professional, primarily with a major CPA firm in Maryland. This has proved to be an excellent foundation to handle all of the administrative responsibilities of processing mortgages and ensuring attention to detail, timelines and contract dates. This also ensures that our clients will constantly be updated and transactions will close smoothly and on time.

Christy is the proud mother of two adult children and her favorite activity is playing with her precious grandchildren.