Meet John Richter
Your Trusted Mortgage Partner for Life
With 29 years of experience in the mortgage industry, John Richter has built The Richter Mortgage Team on a foundation of education, relationships, and results. Since 1996, John has helped over 1,500 families achieve their homeownership dreams by making the complex simple and ensuring every client understands their options completely.
More Than Just a Loan Officer
As an independent mortgage broker powered by Edge Home Finance, John provides access to over 120 lenders and investors, giving his clients maximum financing options that single-bank lenders simply cannot match. But what truly sets John apart is his coaching approach to mortgage guidance.
Drawing from his extensive background coaching youth sports, John treats every home purchase like developing a winning game plan. He works with clients to understand their goals, navigate obstacles, and stay focused on the ultimate objective: successful homeownership. This methodology has earned him the trust of three generations within some families, cementing his reputation as a true “lender for life.”
A Different Kind of Mortgage Experience
John’s educational approach means clients never feel rushed or pressured. He’s willing to work with buyers for 6-18 months before they’re ready to purchase, providing credit monitoring tools, budgeting apps, and market education that traditional lenders don’t offer. His regular check-ins focus on both financial progress and overall well-being, recognizing that buying a home affects every aspect of a family’s life.
When challenges arise, John leverages his 29 years of industry relationships to advocate for clients. He’s known for diplomatically challenging underwriting decisions and finding creative solutions that get deals done, all while maintaining the professional relationships that benefit future clients.
Community Commitment
A Champlin, Minnesota resident for over 25 years, John has raised three children with his wife and understands firsthand what families need from their communities. This local perspective informs his approach to helping clients choose not just a house, but a place where their families can thrive.
John stays connected with his clients long after closing through monthly home value reports, anniversary communications, and ongoing consultation for refinancing or future purchases. He actively supports his referral partners—real estate agents, builders, and financial planners—by providing them with business development tools and social media support.
Adapting with the Times
While John built his reputation through face-to-face relationship building and home visits in the 1990s, he has successfully evolved with technology. Today, he maintains an active presence across Facebook, Instagram, TikTok, YouTube, and X, using these platforms to educate buyers about new programs, market conditions, and homeownership advantages.
His content focuses on busting myths, sharing client success stories, and providing practical tools that help families make informed decisions. This combination of old-school relationship values with modern communication methods allows John to serve clients throughout the Twin Cities metro area while maintaining the personal touch that has defined his career.
The Numbers That Matter
- 29 years of mortgage industry experience
- Over 1,500 families helped achieve homeownership
- 120+ lenders providing maximum financing options
- 22-day average time to closing
- Three generations of client families served
- Multi-platform social media educator
Your Success Is His Mission
Whether you’re a first-time buyer who needs extensive education, a repeat client planning your next move, or someone who thought homeownership was out of reach, John’s approach remains the same: understand your situation, explore all options, and create a plan that works for your life.
His clients consistently note that John makes them feel confident and informed throughout the process, never leaving them wondering what happens next. From pre-qualification through closing and beyond, John ensures you have a trusted advisor who’s genuinely invested in your long-term success.
Ready to explore your homeownership options? Contact John Richter at The Richter Mortgage Team for a no-pressure consultation where you’ll discover what’s possible for your family’s future.