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With Chris

Apply With Chris

Austin, TX

Chris Richards

Loan Officer | NMLS #: 2742274

M 210-612-9462 O 512-240-6528 crichards@assurancemortgage.com

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Real Reviews from Real Homebuyers

Ali

Sugar Land, TX

"Kim Ghanem made the loan process very smooth and straightforward, and he was always on top of communication. Highly recommend!"

Loan Officer

Kim Ghanem
Margaret

Austin, TX

"Michael was very knowledgeable about the process which made it easier for me."

Loan Officer

Michael Landers
Georgia

Lytle, TX

"Ivan is amazing"

Loan Officer

Ivan Diaz
Annahid

McKinney, TX

"Great work. Thank you."

Loan Officer

Kim Ghanem
KV

San Jose, CA

"Mike is genuinely helpful, communicates regularly, and is very knowledgeable."

Loan Officer

Michael Landers
Dennys

"Iván was really good working on this, He helped me with everything; the refinancing process was very smooth and completed on time."

Loan Officer

Ivan Diaz
Mohammad Jafar

McKinney, TX

"Perfect and professional"

Loan Officer

Kim Ghanem
Saad

Round Rock, TX

"made the whole process a breeze, didn't have to stress about single process and it was done smoothly."

Loan Officer

Michael Landers
Dennys A

Hutto, TX

"Iván was reaalt good working on this, He helped me with everything; the refinancing process was very smooth and completed on time."

Loan Officer

Ivan Diaz
Dianne L

Georgetown, TX

"Kim was always on top of things"

Loan Officer

Kim Ghanem
Jody

Santa Fe, NM

"We closed."

Loan Officer

Michael Landers
Jennifer N

Schertz, TX

"Ivan was so helpful , patient, wise, and informative. Thank you so much!"

Loan Officer

Ivan Diaz
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Crunch The Numbers!
Estimate Your Payment

Get an idea of what your monthly payment may look like. For a full estimate, call me, your mortgage expert!

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$
years
$
$
%
%

Your LTV is less than 80%, so you will not need to pay PMI.

$
$

3,500

Monthly Payment

Real APR

0

Monthly Taxes

208

Monthly Insurance

50

Monthly PMI

0

Monthly Principal and Interest

0

Calculators provide estimates only. Estimates shown should not be considered exact payments. Contact your local loan officer for precise and personalized information. See full legal disclosures.

Legal Disclosures

The AFG mortgage calculator is for estimation purposes only. Results do not reflect all loan programs and are subject to individual program loan limits. Qualification, rates and payments will vary based on timing and individual circumstances. This is not a commitment to lend.

Here’s a payment example based on an average home price and the most common loan type:

Loan amount: $300,000
Loan type: 30-year Fixed-Rate Loan
Interest rate/APR: 7.375% (7.692% APR)
Monthly payment: $2,072.03
Points: 1.875 points, costs due at closing
Loan-to-value (LTV): 80.00%

One point is equal to one percent of your loan amount. Payment does not include taxes and insurance. The actual payment amount will be greater. Some state and county maximum loan amount restrictions may apply. Rates shown are valid on publication date of April 18, 2024.

1If you didn’t enter taxes and insurance amounts, an estimate of your taxes is based on the state selected. This does not include all fees.

Resources

Downloadable Guides

We’ve created these guides to be a valuable resource to walk you step-by-step through your next adventure.

About Chris

Chris Richards is a loan officer in the Austin, Texas branch of Assurance Financial, bringing more than 20 years of experience in sales management, operations, and customer service. He approaches every client relationship with a people-first mindset, prioritizing a clear, smooth, and stress-free home-financing experience. By taking the time to understand each client’s goals, Chris provides confident guidance so they can focus on the excitement of becoming a homeowner.

With a background in team sports and a passion for outdoor exploration, Chris has developed a strong sense of discipline, resilience, and teamwork—qualities that continue to shape how he supports clients through some of life’s most important financial decisions.

Outside of work, Chris enjoys spending time outdoors, traveling, boating, and creating meaningful experiences with his family. These passions keep him grounded and reinforce his commitment to building strong, lasting relationships, both personally and professionally.

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My Services
  • New Home Purchase Loans
  • Refinance Loans
  • FHA and Rural Development Loans
  • Veteran (VA) Loans
  • Construction and Renovation Loans

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Send Chris a message

7600 Burnet Road
Suite 315
Austin, TX 78757

(210) 612-9462

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Free Realtor Tools

My Realtor partners get free access to marketing tools such as single property websites, open house flyers, database management software, and more! Email me to get started.

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Realtor Resources

Downloadable Guide for Realtors

This helpful mortgage guide is a great resource for our partners. Check it out!

Mortgage Term Glossary

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Our Loan Process

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Mortgage Calculators

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By submitting this form, you agree to receive marketing text messages from Assurance Financial at the number provided. Message and data rates may apply. Message frequency varies. Reply STOP to unsubscribe or HELP for assistance. For more details, please review our Privacy Policy and Terms & Conditions at AssuranceMortgage.com/privacy-policy