
Juan Paez
About
At Motivation Mortgage, we specialize in providing personalized mortgage solutions to our clients in Charlotte. With a focus on ensuring a smooth home buying or refinancing experience, we offer a range of loan options including conventional, FHA, VA, and USDA home loans. Our team's extensive knowledge and commitment to service set us apart, making the journey to home ownership as seamless as possible.
Primary Markets
- Charlotte, NC
Loan Specialties
FHA
VA
USDA
Jumbo
Investor / DSCR
Who I specialize in helping
Reviews
Anthony
Aug 17, 2026
INCREDIBLE EXPERIENCE! 5 ?? We can’t say enough wonderful things about our loan officer (Jaime Deming) and the entire Motivation Mortgage team! She has been by our side through every step of our homeownership journey—from closing on our first home and duplex, to refinancing, and now purchasing our first single-family home. Her guidance, responsiveness, and genuine commitment to our success have made every milestone feel seamless. As a Realtor, I’ve also had the pleasure of partnering with her to serve my clients. She is someone I trust completely to navigate the financing process, communicate clearly, and advocate for our clients from beginning to end. The entire Motivation Mortgage team is top notch, and their quality of service is truly hard to match. We are incredibly grateful for their partnership and highly recommend Jaime to anyone looking for a knowledgeable, dependable, and caring mortgage professional! Thank you so much!
Britnee
Mar 2, 2026
I cannot recommend Matt at Motivation Mortgage enough. He was absolutely incredible throughout the entire home buying process. From the very first step, Matt went above and beyond. He actually spent an hour with me on Thanksgiving holiday walking through every single detail of the quote he had just sent, explaining each number and answering every question I had. As a first-time buyer navigating everything, that level of patience and clarity meant so much. He was consistently responsive, thorough, and proactive. His team was also fantastic and incredibly supportive. What really stood out was that Matt had a vacation planned the week before our closing, yet everything was handled seamlessly because of how well he prepared in advance and how strong his team support was. Nothing fell through the cracks. He even showed up at the closing table, which speaks volumes about his commitment and care for his clients. If you need a mortgage lender who is knowledgeable, responsive, organized, and genuinely invested in you, Matt is your person. I would absolutely recommend him to anyone purchasing a home.
Nick
Dec 12, 2025
I had the pleasure of working with Matt Richardson at Motivation Mortgage on a recent transaction, and I can’t recommend him highly enough. Matt referred a first-time homebuyer to me and immediately set the tone for a smooth, well-managed deal. Matt provided the buyer with a unique loan program that was a huge advantage and ultimately made homeownership possible with very little money out of pocket. We secured a home in Lancaster, SC, and once we were under contract, Matt went to work, closing the loan in under 30 days, which is an impressive turnaround, especially for a first-time buyer and given that the loan was a FHA product. Throughout the process, Matt was diligent, responsive, and clear in his communication. His deep knowledge of mortgage products, combined with Motivation Mortgage’s specialized loan options, played a critical role in getting this buyer to the closing table. As a Realtor, we have many options when it comes to referring buyer's to trusted Lender. It is crucial to partner with Loan Officers that share the same work ethic and drive as you and believe me when I tell you, Matt and I are intertwined with making sure our clients have the best service possible. So, if you’re a buyer looking for a lender who knows how to problem-solve, move quickly, and communicate effectively, I would recommend Matt Richardson with complete confidence. He gets it done and he gets it done right!
Brandon
May 6, 2026
Tyler over at Motivation Mortgage is the man, but not only him the entire team was amazing! I was in a buy down situation and let the team at Motivation know where I wanted to be as far as my payments, they did not rush or try to con me into a refinance before it made sense. I worked with them for over 2 years on my refi price, closing, etc to where it made sense. Once it did, BOOM we got it done quick and easy. The entire process was seamless and a delight. Would 100% recommend them for anyone looking for Mortgage help.
Katelyn
Jul 15, 2026
We had the opportunity to working with Hope and it was an amazing experience from beginning to end! She has worked closely with our realtor Ashley Misiuda on previous deals before and let me just say they are an incredible duo!! This was our first home purchase and as many know this process can be very overwhelming at times. Hope was amazing with explaining every detail, walking through documents together and answering any question that might come up! We have been in our house for close to a month now and Hope still has been available when new questions have came up. I would recommend Hope to anyone! If you have an opportunity to work with her just know you’re in great hands!