Your homeownership journey starts here
The mortgage process simplified.
Fast approvals, local experts, trusted results.


NMLS: #1810499
Mitch Richards
Mortgage Advisor
Phone number:
Email:
[email protected]Mitch Richards grew up in Montana and moved to Missouri in 2008. Coming from a background in teaching, customer service, and sales, Mitch brings a customer-focused approach to mortgage lending. With a firm belief that home ownership should be available to all, he prides himself on working with the borrower throughout the entire loan process. Mitch has an eight year old son and in his free time enjoys fishing, yoga, and reading.
Licensed in:
AR, FL, KS and MO
Specialties:
First-Time Homebuyers
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Investment Property Loans
Construction Loans
Renovation Loans
Physician Loans
Lending Specialties
First-Time Homebuyers
Conventional Loans
FHA Loans
USDA Loans
VA Loans
Investment Property Loans
Construction Loans
Renovation Loans
Physician Loans
Contact info
Why work with me?
5.0/5 Rating
19 reviews
250+
Families helped
30 Days
Average close time
7 years
Of experience
Real clients. Real results.
Loan Programs
Refinance With Purpose
Every refinance starts with a goal. Whether you want to lower your payment, shorten your term, or access equity, we’ll build a strategy around
what matters most to you.
Consolidate Debt
Simplify what you owe. Use your home’s equity to combine high-interest debt into one payment.
Lower Payments
Improve monthly cash flow. Even a small rate adjustment can create savings over time.
Get Cash Out
Access equity with intention. Turn your home’s value into funds for renovations, education, retirement, or financial goals.
Change to Fixed Rate
Stabilize your payment. Move from a variable rate to predictable payments built for long-term planning.
Refinance VA Loan
Use a VA refinance program to improve your terms, access cash, or reduce your monthly payment.
Discover your home’s value instantly.
Get a personalized home value report powered by real market data. Track equity, explore trends, and stay informed about your property.


We'll watch the market for you
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
Mortgage Calculator
Estimate your monthly payment in seconds.
$400,000
Customize taxes, insurance & HOA
$0
Frequently asked questions
With short and easy to understand answers.
Couldn’t find your answer?
[email protected]How fast can I get pre-approved?
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How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
How fast can I get pre-approved?
Nulla ac nunc in ligula pharetra posuere. Vestibulum aliquam auctor nibh, non facilisis risus dictum at. Vivamus justo lacus, commodo vel congue suscipit, dignissim sit amet eros.
Couldn’t find your answer?
[email protected]Ready to take the next step?
Set your target interest rate and we’ll notify you when it hits. No spam, just smart alerts.
- Competitive rates
- Expert support
- Easy process






































