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Dream Home.

No Drama.

Find out how we can help make qualifying for a low rate mortgage simple and hassle free.

About Me

I'm John and I'm Here for You

I'm John and I'm Here to Help

As a loan officer with a deep commitment to my clients' financial success, I make it my mission to guide you to the best loan options available. I have a real enthusiasm for supporting individuals and families in securing loans that fit their unique situations. My job is to offer you personalized advice and walk with you every step of the way during the loan process.

Understanding the complex world of mortgages can be tough, but that's where I come in. I believe in honesty, being completely open, and always communicating clearly, so you can trust the advice I give. I'm skilled at breaking down complicated loan terms and concepts, making sure you're informed and comfortable with the decisions you're making.

Whether you're in the market for a new home, looking to invest in your business, or just aiming to manage your money better, I'm here to find the right financial solutions for you. I pride myself on excellent customer service and aim to build lasting relationships with my clients.

You've heard the horror stories...how hard it is to qualify, the mounds of paperwork you have to provide, the difficulties and delays. Not to mention the fighting, shopping, and haggling to get a good rate. I've got great news... I'm here to solve that all for you. Check out the reviews from other folks just like you that I've worked with and see how I can make the process easier.

Whether you need a mortgage to buy a home, or are looking to refinance for a better rate or some cash out of your property, I can help.

I look forward to hearing from you.

Have questions about getting a home loan?

Let's chat

There is No Cost and No Obligation!

What You Need

Timely Communication


We prioritize clear communication, promptly responding to all emails and calls, so you're always updated about the status of your loan.

Professional Support

Rely on us to guide you through the mortgage process from start to finish. We'll help you navigate the complexities and sidestep the usual pitfalls.

Competitive Low Rates

Our team collaborates with you to identify the best program and secure competitive market rates, ensuring your monthly payments are as low as possible.

Close Your Loan Fast

Not every lender has the capability to close swiftly or punctually. We stay in step with you throughout the process, ensuring all deadlines are met and your loan closes on schedule.

Ready to get started today?

Who We Help

First Time Home Buyers

We understand that purchasing a home in Minnesota can be confusing on your own, especially if it's your first time. Our commitment is to guide you through the process, providing clear explanations, preventing costly mistakes, and ensuring the successful approval of your mortgage. Your excitement about buying your dream home is our priority!

Move Up & Second Home Buyers

Buying a new home while already owning one presents its distinct set of considerations. Whether you're in the process of purchasing a new primary residence or a second vacation home, we can address all your inquiries about eligibility and the steps involved in the purchase.

Refinancing & Cash Out Homeowners

If you currently possess a home and are seeking to refinance for either cost savings through a reduced interest rate or to potentially access some funds for various purposes, we have the expertise to assist you. Additionally, we can guide you on optimizing the structure of your new financing to secure the most advantageous deal.

Investment Buyers

If you're investing in real estate, we can assist you in obtaining financing with low rates to optimize your return on investment.

Seniors & Reverse Mortgages

If you're 62 years or older and exploring ways to remain in your home without a mortgage payment or tapping into your home's equity while continuing to reside there, I can provide answers about reverse mortgages.

Mortgage Made Simple

HERE'S WHAT MY CLIENTS SAY ABOUT ME

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Work With Us

We recognize that your situation is unique, and we would love to help you.

John Richter, NMLS #400991

Edge Home Finance, NMLS #891464

5868 Baker Road Minnetonka, MN 55345

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