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Joe Riggs
Senior Loan Officer
NMLS# 966672
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.
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.
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.
Jumbo
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.
home equity insights
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Testimonials
I couldn’t be more pleased with my experience working with the team of professionals that helped us through the home-buying process. Joe, Cher and Shannon not only worked swiftly on our behalf, but jumped through hoops to ensure we met an rather aggressive close date. Through open lines communication, complete transparency and a true team mentality, the group of folks on the lending side exceeded all expectations by worked as a cohesive unit, along with our realtor, to help make our dreams come true.
Joe helped me from the beginning to final approval loan. I thank every Brand mortgage team for helping me buy my first home. I recommend everyone to make a second opinion with this bank.Thanks a Lot
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 able to explain everything so easily! We had no issues and the whole process went very smoothly.
Working with Joe was a pleasant experience. He helped us understand the process and went over things until we understood what was going. It was our first time and he made us feel comfortable throughout the process. He was available after hours and weekends if needed. The website was user friendly and the videos he sent help us understand each step as we moved forward. Everything went smoothly and he showed up at closing which was a nice surprise.
Joe was awesome from the very beginning. He was with us, step by step, explaining everything and making sure to answer every question we had. I would definitely recommend Joe to anyone interested in purchasing a home.
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 ease the burden on me. He facilitated everything and I got the funds I needed. I'd recommend him to friends in the area who are looking for a honest and helpful lender.
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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; 
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