Mortgage Advisor

Mitch Richards

Mortgage Advisor NMLS# 1810499 Licensed in AR, FL, KS, MO

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5.0
(11 reviews)
(573) 777-2306 [email protected]

3018 Winghaven Blvd.
O'Fallon, MO 63368
Branch License #2534568

About Mitch Richards

Your mortgage is personal, and I understand that.

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. 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.

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We keep the mortgage process easy

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Whether this is your first home, your next home, or you’re thinking about refinancing, we’re ready to walk with you every step of the way.

  • Step 1 Connect with a Loan Expert

  • Step 2 Get Pre-Approved

  • Step 3 Make Offers

  • Step 4 Lock in your Preferred Rate

  • Step 5 Move in to your new home

  • Step 1 Connect with a Loan Expert

  • Step 2 Lock in your Preferred Rate

  • Step 3 Get your new loan approved!

Buying a new home can feel like everything at once: Exciting, overwhelming, stressful, and even emotionally taxing.

Home Loans

  • Fixed-rate Mortgages
  • Adjustable-rate Mortgages
  • Interest-only Loans
  • Jumbo Loans
  • FHA
  • VA Loans
  • USDA Loans
  • Reverse Mortgages

Speciality Products

  • Keys On Time Program
  • Secure Lock Program
  • Jumbo Investor Loan Programs
  • Peak Loan Program
  • High Balance Solutions
  • Jumbo Solutions
  • Home Ready
  • Home Possible Advantage
  • STaR Program for First-Responders
  • Doctor Program for Medical Professionals
  • Manufactured Housing Loans
Buy a home Refinance

See what Mitch's clients have to say

Gieda M

Excelent, Mitch helps me a lot.

Nov 03, 2025

Elise D

I had an excellent experience working with Mitch. He was incredibly helpful, responsive, and made the entire loan process smooth and stress-free. Every question I had was answered quickly and clearly, and Mitch's professionalism gave me a lot of confidence throughout the process. What stood out most was how proactive he was — as an example, when I asked for help finding an insurance broker, they immediately connected me with the perfect person. Thanks to Mitch's support, everything came together seamlessly. I highly recommend Mitch to anyone looking for a knowledgeable and very professional loan agent! ... Read More

Oct 24, 2025

Daniel M

The team did a good job of answering all of my questions quickly. I appreciate Mitch and all of the team for helping us find our forever home.

Aug 30, 2025

Mark H

Mitch was great to work with he was above and beyond !

May 03, 2025

Mark F

Mitch Richards has been great to work with. This is the second loan he has managed for me. He is attentive and thorough. He has several, creative loan products at his disposal, so he can handle all sorts of investment and construction loans along with standard mortgages. He understands the market and keeps a keen eye on interest rates. The app he uses makes submitting documents fast and easy. If you’re looking for financing, give Mitch a shot. ... Read More

May 02, 2025

Tina L

Mitch did awesome through a difficult construction process, he answered questions even when construction loan closed still answering our questions. He will also be helping us when our construction is completed to get in a fixed loan. We will be sending friends as well as family.  He won’t let you down .  ... Read More

Apr 11, 2025

Joshua M

Mitch and his team were outstanding throughout the process. Very clear, concise and honest. They made my first time home buying experience easier.

Oct 31, 2024

Johnathan N

Mitch was awesome again!

Oct 23, 2024

Frank A

This was our first home purchase. Mitch Richards walked us through each step along the way toward our home mortgage.

Oct 19, 2024

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity. www.apmortgage.com

Refinancing may result in finance charges that may be higher over the life of the loan. Consult with your loan advisor for details.

This site is not authorized by the New York State Department of Financial Services.  No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.

Licensed as Preferred Rate in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, OK, OR, TN, TX, VA, WA, and WI. Preferred Rate operates under American Pacific Mortgage in NV. AZ BK 0906702. CA #01215943. Regulated by the Colorado Division of Real Estate. Georgia Residential Mortgage Licensee. NV MB 164. Licensed under the Oregon Consumer Finance Act. OK MLO13426.

Licensed by the Illinois Department of Financial & Professional Regulation, Residential Mortgage License # MB.6761304 | James R. Thompson Center | IDPR – 555 West Monroe Street, 5th Floor Chicago, IL 60661 | (888) 473-4858

Licensed by the Dept of Financial Protection and Innovation under the CRMLA.

The Department of Financial and Professional Regulation (Department) evaluates our performance in meeting the financial services needs of this community, including the needs of low-income to moderate-income households. The Department takes this evaluation into account when deciding on certain applications submitted by us for approval by the Department. Your involvement is encouraged. You may obtain a copy of our evaluation. You may also submit signed, written comments about our performance in meeting community financial services needs to the Department." (Source: P.A. 101-657, eff. 3-23-21.)

CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.”

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV