Champlin's Most Experienced Mortgage Broker - 29 Years of Helping Families

With access to 120+ lenders, I find you the best mortgage rate for YOUR situation. While other brokers talk about rates, I focus on educating you about the importance of homeownership and making the process work FOR you, not against you.

"Fuerat aestu carentem habentia spectent tonitrua mutastis locavit liberioris."

- Adam Sendler

Why 29 Years of Experience = Your Best Mortgage

Mortgage Broker vs. Bank: Why It Matters for You

Working with The Richter Mortgage Team (Mortgage Broker): ✓ Access to 120+ lenders and their best rates ✓ Shop multiple options in one application ✓ Negotiating power with lenders on your behalf ✓ Same closing timeline as banks (30 days average) ✓ No cost to you - lenders pay our fees ✓ 29 years of market expertise and lender relationships

Serving Champlin Since 1996 - True Local Expertise

Deep Champlin Market Knowledge: Familiar with every neighborhood from French Lake Terrace to Southwest Champlin Understand local property taxes, HOA structures, and market trends Know which areas appreciate fastest and why Relationship with top Champlin real estate agents, title companies, inspectors

My Education-First Process: Understanding Before Signing

Step 1: Discovery & Education (30-45 minutes) We discuss your goals, timeline, and I explain how different loan programs build wealth differently. You’ll understand WHY we’re choosing specific options.

Step 2: Lender Shopping (24-48 hours) I present your scenario to multiple lenders from my network of 120+, comparing not just rates but terms, fees, and execution ability.

Step 3: Application & Strategy (Same day) Once you choose the best option, we complete your application and I explain the entire timeline, what to expect, and how to prepare.

Step 4: Processing & Communication (14-21 days) I handle all lender communication and keep you informed of progress. My experience means I can anticipate and solve problems before they delay your closing.

Step 5: Closing & Beyond (30 days average) I attend your closing to ensure everything goes smoothly, and I remain available for questions about your mortgage long after closing.

Upcoming Tours & Destination

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