Find the loan to fit your life
Select from hundreds of loan products tailored to your needs
Joe Riggs
Senior Loan Officer
NMLS# 966672
Building trust, one borrower at a time.
Find out how we performed in the J.D. Power 2025 U.S. Mortgage Servicer Satisfaction Study.
About me
Let's find the right home loan for you
We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.
FHA
If you're looking to buy on a tight budget, these loans are a great option. It's easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They're also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.
Down payment assistance
If you're purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
Jumbo loans
Jumbo loans offer larger loan amounts than most other loan programs. These loans are a great option if you're looking to buy a more expensive home and have a great credit score and strong financial situation.
All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.
Meet my team
I work closely with my team of specialists to get you the financing you need. See what each member brings to the team.
Testimonials
The rating and reviews below represent my top reviews. Read all customer reviews here.
5.0 out of 5.0 stars
5.0
Ralph
Aug 2, 2025
Joe Riggs and his team were excellent and made the home buying process a breeze. I would highly recommend them to anyone...See more
Kraig
Apr 4, 2025
This was my first loan. It was as expected. Lots of paperwork, kind of a headache, but Joe did a great job of trying to ...See more
Hhover43
Apr 4, 2025
Joe was awesome from the very beginning. He was with us, step by step, explaining everything and making sure to answer e...See more
Wezly
Apr 4, 2025
Working with Joe was a pleasant experience. He helped us understand the process and went over things until we understood...See more
Ashleyquesinberry
Apr 4, 2025
Joe was amazing to work with as my fiancée and I were buying a house. This was our first time buying a home and Joe was ...See more
Santhiagojunqueira
Apr 4, 2025
Joe helped me from the beginning to final approval loan. I thank every Brand mortgage team for helping me buy my first ...See more
NMLS ID #966672
I am authorized to do business in the states of Alabama, Florida, Georgia, North Carolina, Oregon, South Carolina and Tennessee. OR ML-176;