John Richter | Powered by Edge Home Finance, LLC (NMLS #891464)
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 Loan Officer with Edge Home Finance, LLC
I've helped thousands of homebuyers understand their options and find a mortgage that fits their goals and budget.
As a Loan Officer with Edge Home Finance, LLC, an independent mortgage broker, I can access multiple wholesale lenders and compare available options that may fit your goals.
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
See What Clients Are Saying
Buying a home is a big decision. See what clients and real estate partners have said about the communication, education and guidance they received throughout the mortgage process.
★★★★★ 4.9 on Google • 73 Reviews
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.
© 2026 Richter Home Team powered by Edge Home Finance, LLC. All rights reserved.
Edge Home Finance, LLC | Company NMLS #891464
John Richter, Mortgage Loan Originator | NMLS #400991 | Licensed in MN, WI, ND & FL
5860 Baker Road, Minnetonka, MN 55345
Equal Housing Opportunity
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Disclaimer: "Richter Home Team" and "Confused About Buying" are marketing designations powered by Edge Home Finance, LLC. Edge Home Finance, LLC is licensed in 49 states and D.C. (Not licensed in NY). Loan programs, terms, and eligibility are subject to applicable underwriting guidelines. This website is for general information and is not a commitment to lend.