{"profile":{"id":"f5a5a965-280a-48de-ba3b-59ce9f6b4ded","slug":"loan-java-richardson-3228","business_name":"Loan Java","website_url":"https://www.loanjava.com","industry":"Mortgage broker","city":"Richardson","services":[{"category":"service","price_range":null,"service_area":null,"service_name":"Home Purchase Loans","target_customer":"Individuals buying a home","factual_description":"Assistance with securing financing for buying a new home.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Mortgage Refinancing","target_customer":"Homeowners seeking better loan terms","factual_description":"Services to refinance existing mortgage loans for new terms.","related_capabilities":[]},{"category":"service","price_range":null,"service_area":null,"service_name":"Loan Programs","target_customer":"Borrowers exploring financing options","factual_description":"Guidance through various mortgage loan options available.","related_capabilities":[]},{"category":"software_feature","price_range":null,"service_area":null,"service_name":"Mortgage Calculators","target_customer":"Prospective borrowers planning finances","factual_description":"Tools to estimate mortgage payments and affordability.","related_capabilities":[]}],"schema_json":{"@graph":[{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#business","geo":{"@type":"GeoCoordinates","latitude":32.9560446,"longitude":-96.7005202},"url":"https://www.loanjava.com","name":"Loan Java","@type":"RealEstateAgent","email":"cindy@loanjava.com","image":"https://d3i17xsp2ml938.cloudfront.net/lhp/210138/uploads/b5FRMPrx5Cimage0.png","sameAs":["https://www.google.com/maps/place/?cid=6968795930974373155"],"address":{"@type":"PostalAddress","postalCode":"75081","addressRegion":"Texas","streetAddress":"601 N Plano Rd, Richardson, TX 75081","addressCountry":"US","addressLocality":"Richardson"},"audience":[{"@type":"Audience","audienceType":"Texas residents seeking mortgage loans"},{"@type":"Audience","audienceType":"Homebuyers needing financing guidance"},{"@type":"Audience","audienceType":"Homeowners looking to refinance mortgages"}],"speakable":{"@type":"SpeakableSpecification","cssSelector":["[data-ai-block=\"summary\"]","[data-ai-block=\"about\"]","[data-ai-block=\"micro-faq\"]","[data-ai-block=\"faq\"]"]},"telephone":"+14695818811","areaServed":[{"name":"Richardson","@type":"City"}],"inLanguage":"en","knowsAbout":["Time and money saving solutions"],"dateModified":"2026-06-14","datePublished":"2026-06-14","hasCredential":{"name":"Vizoryo AI Visibility Verified","@type":"EducationalOccupationalCredential","description":"This business profile has been verified and analyzed by the Vizoryo AI Visibility Platform.","recognizedBy":{"url":"https://vizoryo.com","name":"Vizoryo","@type":"Organization"},"credentialCategory":"AI Search Visibility"},"additionalType":"Mortgage Broker","aggregateRating":{"@type":"AggregateRating","ratingValue":5,"reviewCount":184,"bestRating":5,"worstRating":1},"mainEntityOfPage":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java","additionalProperty":[{"@type":"PropertyValue","name":"dataConfidence","description":"Cross-source data consistency score (0–1). Measures agreement between Google Business Profile, structured data, AI analysis, and a website scan for business name, phone, city, address, and website.","value":0.86},{"@type":"PropertyValue","name":"verifiedBy","description":"Independent data sources used to verify this business profile.","value":"Website Scan, AI Content Analysis"},{"@type":"PropertyValue","name":"verificationStatus","description":"Vizoryo Index status. verified = owner-confirmed and maintained by the business owner. indexed = auto-built from public data, not yet owner-verified.","value":"indexed"}]},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#service-0","name":"Home Purchase Loans","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#business"},"description":"Assistance with securing financing for buying a new home."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#service-1","name":"Mortgage Refinancing","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#business"},"description":"Services to refinance existing mortgage loans for new terms."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#service-2","name":"Loan Programs","@type":"Service","category":"service","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#business"},"description":"Guidance through various mortgage loan options available."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#service-3","name":"Mortgage Calculators","@type":"Service","category":"software_feature","provider":{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#business"},"description":"Tools to estimate mortgage payments and affordability."},{"@id":"https://vizoryo.com/en/business/mortgage-broker/richardson/loan-java#faq","name":"FAQ - Loan Java","@type":"FAQPage","mainEntity":[{"name":"When should I refinance?","@type":"Question","acceptedAnswer":{"text":"It's generally a good time to refinance when mortgage rates are 2% lower than the current rate on your loan. It may be a viable option even if the interest rate difference is only 1% or less. Any reduction can trim your monthly mortgage payments. Example: Your payment, excluding taxes and insurance, would be about $770 on a $100,000 loan at 8.5%; if the rate were lowered to 7.5%, your payment would then be $700, now you're saving $70 per month. Your savings depends on your income, budget, loan a","@type":"Answer"}},{"name":"What are points?","@type":"Question","acceptedAnswer":{"text":"A point is a percentage of the loan amount, or 1-point = 1% of the loan, so one point on a $100,000 loan is $1,000. Points are costs that need to be paid to a lender to get mortgage financing under specified terms. Discount points are fees used to lower the interest rate on a mortgage loan by paying some of this interest up-front. Lenders may refer to costs in terms of basic points in hundredths of a percent, 100 basis points = 1 point, or 1% of the loan amount.","@type":"Answer"}},{"name":"Should I pay points to lower my interest rate?","@type":"Question","acceptedAnswer":{"text":"Yes, if you plan to stay in the property for a least a few years. Paying discount points to lower the loan's interest rate is a good way to lower your required monthly loan payment, and possibly increase the loan amount that you can afford to borrow. However, if you plan to stay in the property for only a year or two, your monthly savings may not be enough to recoup the cost of the discount points that you paid up-front.","@type":"Answer"}},{"name":"What is an APR?","@type":"Question","acceptedAnswer":{"text":"The annual percentage rate (APR) is an interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account points and other credit costs. The APR allows homebuyers to compare different types of mortgages based on the annual cost for each loan. The APR is designed to measure the \"true cost of a loan.\" It creates a level playing field for lenders. It prevents lenders from adve","@type":"Answer"}},{"name":"What does it mean to lock the interest rate?","@type":"Question","acceptedAnswer":{"text":"Mortgage rates can change from the day you apply for a loan to the day you close the transaction. If interest rates rise sharply during the application process it can increase the borrower’s mortgage payment unexpectedly. Therefore, a lender can allow the borrower to \"lock-in\" the loan’s interest rate guaranteeing that rate for a specified time period, often 30-60 days, sometimes for a fee.","@type":"Answer"}}]}],"@context":"https://schema.org"},"is_public":false,"is_active":true,"created_at":"2026-06-14T00:47:37.70316+00:00","updated_at":"2026-06-14T00:47:37.688+00:00","faq":[{"answer":"It's ‍generally ‍a ​good ‍time ​to ‍refinance ‍when ‍mortgage ‍rates ​are ‍2% ​lower ​than ​the ‍current ‍rate ​on ​your ​loan. ‍It ​may ‍be ‍a ‍viable ‍option ‍even ‍if ‍the ‍interest ​rate ‍difference ‍is ‍only ​1% ‍or ‍less. ​Any ‍reduction ​can ‍trim ‍your ​monthly ‍mortgage ‍payments. ‍Example: ​Your ​payment, ‍excluding ‍taxes ‍and ​insurance, ‍would ​be ‍about ‍$770 ‍on ‍a ​$100,000 ‍loan ​at ​8.5%; ​if ‍the ‍rate ​were ​lowered ​to ‍7.5%, ​your ‍payment ‍would ‍then ‍be ‍$700, ‍now ‍you're ‍saving ​$70 ‍per ‍month. ‍Your ​savings ‍depends ‍on ​your ‍income, ​budget, ‍loan ‍a","category":"general","question":"When should I refinance?"},{"answer":"A ‍point ‍is ​a ‍percentage ​of ‍the ‍loan ‍amount, ‍or ​1-point ‍= ​1% ​of ​the ‍loan, ‍so ​one ​point ​on ‍a ​$100,000 ‍loan ‍is ‍$1,000. ‍Points ‍are ‍costs ‍that ‍need ​to ‍be ‍paid ‍to ​a ‍lender ‍to ​get ‍mortgage ​financing ‍under ‍specified ​terms. ‍Discount ‍points ‍are ​fees ​used ‍to ‍lower ‍the ​interest ‍rate ​on ‍a ‍mortgage ‍loan ‍by ​paying ‍some ​of ​this ​interest ‍up-front. ‍Lenders ​may ​refer ​to ‍costs ​in ‍terms ‍of ‍basic ‍points ‍in ‍hundredths ‍of ‍a ​percent, ‍100 ‍basis ‍points ​= ‍1 ‍point, ​or ‍1% ​of ‍the ‍loan ​amount.","category":"general","question":"What are points?"},{"answer":"Yes, ‍if ‍you ​plan ‍to ​stay ‍in ‍the ‍property ‍for ​a ‍least ​a ​few ​years. ‍Paying ‍discount ​points ​to ​lower ‍the ​loan's ‍interest ‍rate ‍is ‍a ‍good ‍way ‍to ‍lower ​your ‍required ‍monthly ‍loan ​payment, ‍and ‍possibly ​increase ‍the ​loan ‍amount ‍that ​you ‍can ‍afford ‍to ​borrow. ​However, ‍if ‍you ‍plan ​to ‍stay ​in ‍the ‍property ‍for ‍only ​a ‍year ​or ​two, ​your ‍monthly ‍savings ​may ​not ​be ‍enough ​to ‍recoup ‍the ‍cost ‍of ‍the ‍discount ‍points ‍that ​you ‍paid ‍up-front.","category":"general","question":"Should I pay points to lower my interest rate?"},{"answer":"The ‍annual ‍percentage ​rate ‍(APR) ​is ‍an ‍interest ‍rate ‍reflecting ​the ‍cost ​of ​a ​mortgage ‍as ‍a ​yearly ​rate. ​This ‍rate ​is ‍likely ‍to ‍be ‍higher ‍than ‍the ‍stated ‍note ​rate ‍or ‍advertised ‍rate ​on ‍the ‍mortgage, ​because ‍it ​takes ‍into ‍account ​points ‍and ‍other ‍credit ​costs. ​The ‍APR ‍allows ‍homebuyers ​to ‍compare ​different ‍types ‍of ‍mortgages ‍based ​on ‍the ​annual ​cost ​for ‍each ‍loan. ​The ​APR ​is ‍designed ​to ‍measure ‍the ‍\"true ‍cost ‍of ‍a ‍loan.\" ‍It ​creates ‍a ‍level ‍playing ​field ‍for ‍lenders. ​It ‍prevents ​lenders ‍from ‍adve","category":"general","question":"What is an APR?"},{"answer":"Mortgage ‍rates ‍can ​change ‍from ​the ‍day ‍you ‍apply ‍for ​a ‍loan ​to ​the ​day ‍you ‍close ​the ​transaction. ​If ‍interest ​rates ‍rise ‍sharply ‍during ‍the ‍application ‍process ‍it ‍can ​increase ‍the ‍borrower’s ‍mortgage ​payment ‍unexpectedly. ‍Therefore, ​a ‍lender ​can ‍allow ‍the ​borrower ‍to ‍\"lock-in\" ‍the ​loan’s ​interest ‍rate ‍guaranteeing ‍that ​rate ‍for ​a ‍specified ‍time ‍period, ‍often ​30-60 ‍days, ​sometimes ​for ​a ‍fee.","category":"general","question":"What does it mean to lock the interest rate?"}],"country":"United States","status":"draft","og_image_url":"https://d3i17xsp2ml938.cloudfront.net/lhp/210138/uploads/b5FRMPrx5Cimage0.png","industry_subtype":null,"profile_tier":"free","short_tagline":"Mortgage Broker in Richardson — Time and money saving solutions","primary_category":"Mortgage Broker","schema_type":"LocalBusiness","primary_address":{"city":"Richardson","region":"Texas","street":"601 N Plano Rd, Richardson, TX 75081","country":"US","postal_code":"75081"},"geo_coordinates":{"lat":32.9560446,"lng":-96.7005202},"service_areas":["Richardson"],"phone":"+14695818811","hours_by_day":null,"price_range":null,"review_summary":{"sources":[{"count":184,"rating":5,"platform":"google"}],"total_count":184,"average_rating":5,"weighted_reputation_score":4.82},"certifications":[],"years_in_business":null,"founded_year":null,"specialties":["Time and money saving solutions"],"differentiators":[],"social_profiles":[],"citations":[],"last_verified_at":"2026-06-14T00:47:37.688+00:00","data_sources":["Website Scan","AI Content Analysis"],"languages_supported":["lang=\"en\"","en"],"profile_language":"en","description_short":"Secure your home purchase or refinance with expert guidance tailored to Texas residents. Utilize Loan Java's mortgage calculators and loan programs to find efficient solutions for your financing needs.","ai_summary_short":null,"ai_readability_score":46,"discovery_source":"manual","crawl_depth":"full","last_discovery_refresh":null,"claimed_at":null,"index_status":"listed","industry_category":"Mortgage Broker","llm_optimized_summary":"Loan Java operates as a mortgage broker in Richardson, United States, specializing in time and money-saving solutions for Texas residents. They offer home purchase loans and mortgage refinancing, supported by a 5.0-star rating from 184 reviews.","target_audience":["Texas residents seeking mortgage loans","Homebuyers needing financing guidance","Homeowners looking to refinance mortgages"],"alternative_to":[],"data_trust_signal":"https://www.loanjava.com","content_extraction_method":"llm_opener_v2","content_extracted_at":"2026-06-14T00:47:37.688+00:00","is_sole_proprietor":false,"domain_verified_at":null,"contact_email":"cindy@loanjava.com","category_local":null,"city_local":null,"country_local":null,"is_regulated":false,"audit_score":69,"parent_profile_id":null,"profile_type":"standalone","branch_address":null,"branch_phone":null,"branch_hours":null,"branch_geo":null,"google_place_id":"ChIJLwFu9BQfTIYRI0XqGfoitmA","branch_source":null,"needs_description_regen":false,"ai_mention_count":0,"last_ai_mention_at":null,"branch_dfs_data":null,"logo_url":"https://d3i17xsp2ml938.cloudfront.net/lhp/210138/uploads/b5FRMPrx5Cimage0.png","branches_extracted_at":null,"discovery_entity_id":"a0089bbc-601c-4fe2-9012-984d18b5e094","dfs_contact_called":false,"url_path":"mortgage-broker/richardson/loan-java","business_name_en":"Loan Java","data_confidence":0.862,"ai_mention_score":null,"business_name_native":null,"fts":"'184':79 '5.0':75 'broker':4B,48 'calcul':30C 'effici':36C 'expert':19C 'financ':40C 'find':35C 'guidanc':20C 'home':14C,66 'java':2A,27C,43 'loan':1A,26C,32C,42,68 'money':9B,58 'money-sav':57 'mortgag':3B,29C,47,70 'need':41C 'offer':65 'oper':44 'program':33C 'purchas':15C,67 'rate':77 'refin':17C 'refinanc':71 'resid':24C,63 'review':80 'richardson':6B,50 'save':10B,59 'secur':12C 'solut':11B,37C,60 'special':53 'star':76 'state':52 'support':72 'tailor':21C 'texa':23C,62 'time':7B,55 'unit':51 'util':25C","last_edited_by_user":{},"processing_version":14,"trust_layer_version":null,"url_path_version":null,"canonical_domain":null,"partner_id":null,"partner_metadata":{},"yelp_match_id":null,"bright_data_snapshot_id":null,"bright_data_snapshot_polled_at":null,"social_post_snapshot":null,"embed_opt_out":false,"verified":false,"verified_sources":null,"social_proof":null,"dfs_subtypes":[],"external_links":null,"amenities":[],"payment_methods":[],"operational_status":"open","bd_enriched_at":null,"yelp_details_at":null,"all_emails":[],"quality_rank":0.664,"email_mx_status":null,"email_mx_checked_at":null,"is_canary":false,"is_software_product":false,"discovery_region":null,"name_forms":["Loan Java"],"same_as":["https://www.loanjava.com","https://www.google.com/maps/place/?cid=6968795930974373155"],"trust_state":"indexed","confirmation_count":0,"confidence_computed_at":"2026-06-14T00:47:38.582+00:00","ai_providers":[],"confidence_sources":["gemini_classification","dfs","website_scrape"],"field_sources":{"city":["Google Business Profile","AI Content Analysis"],"name":["AI Content Analysis"],"phone":["Google Business Profile","AI Content Analysis"],"address":["Google Business Profile"],"website":["Website Scan"],"category":["Google Business Profile"]},"conflict_fields_trust":["category"],"ai_mention_snippets":[],"recommendations":[{"check_id":"schema_depth","label":"AI Business Card Completeness","description":"Fill out your digital business card in your website code with your name, description, address, phone, hours, and photos — AI tools rely on these details to give accurate answers about your business, and missing fields mean missed recommendations.","tokens":{"businessName":"Loan Java","cmsHint":"","city":""},"improvement_score":28},{"check_id":"schema_org","label":"Structured Business Data","description":"Add a digital business card to your website code (Schema.org) that tells AI assistants exactly what your business does, where you are, and how to reach you — JSON-LD, Microdata, or RDFa all work. Without this, AI simply can't recommend you.","tokens":{"businessName":"Loan Java","cmsHint":"","city":""},"improvement_score":22},{"check_id":"faq_presence","label":"Conversational FAQ (Q&A)","description":"Add a Frequently Asked Questions section to your site — AI assistants like Perplexity and ChatGPT actively look for question-and-answer content to quote directly in their responses.","tokens":{"businessName":"Loan Java","cmsHint":"","city":""},"improvement_score":18}]}}