Confused About Buying a Home? Start Here.
Clear Answers. Personalized Plan. No Pressure.
Buying a home doesn't have to be confusing. I'll help you understand what you can afford, your down payment options, which mortgage programs may fit, and exactly what to expect from pre-approval through closing.
Buying a Home Can Feel Overwhelming. It Doesn't Have to Be.
Buying a home comes with a lot of questions. How much can you afford? How much do you need for a down payment? Which loan is right for you? And why does everyone seem to give you a different answer?
With so much information out there, it's easy to feel overwhelmed or wonder if you're making the right decision.
You shouldn't have to guess when making one of the biggest financial decisions of your life.
Get Clear Answers From an Experienced Mortgage Broker
I've helped thousands of homebuyers understand their options and find a mortgage that fits their goals and budget.
As a mortgage broker, I'm not limited to one bank's rates, programs, or guidelines. I can compare options from multiple lenders to find the right fit for you.
I'll explain your options in plain English, keep you updated, and walk you through the process step by step.
You'll always know what's happening, what it means, and what comes next.
120+
30+
Years of Mortgage Experience
Lenders to Compare
Know Your Options. Make Your Decision With Confidence.
More Options to Find the Right Fit
Explore Conventional, FHA, VA, Jumbo and other mortgage options to find the financing that fits your goals.
Guidance Every Step of the Way
No guessing and no wondering what's next. I'll keep you informed and explain each step throughout the process.
Clarity From the Start
Understand what you can afford, what you may need for a down payment, and what to expect before you start shopping.
Trusted by Minnesota Homebuyers and Real Estate Professionals
Working with John was nothing short of AMAZING! He went to bat for me and made everything smooth.
Theresa
★★★★★
John’s communication and speed helped us close quickly and get our dream home.
★★★★★
Garrett
★★★★★
As a realtor, I work with a lot of lenders. John is exceptional — clear, calm, and stress-free for my clients.
Jennifer
5.0 Google Review
5.0 Google Review
5.0 Google Review
Still Confused About Buying? Let's Build Your Plan.
Whether you're ready to buy now or just trying to figure out where to start, let's talk through your questions and build a plan that makes sense for you.
Contact John Richter
John Richter | Mortgage Loan Originator
NMLS #400991
Richter Home Team powered by Edge Home Finance, LLC
Edge Home Finance NMLS #891464
Questions about buying a home or your mortgage options? I'm here to help.
As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age (provided you have the capacity to enter into a binding contract), because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. The federal agency that administers our compliance with these federal laws is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC, 2058
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