Mortgage Advisor

Mitch Richards

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

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5.0
(15 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

Aleiha L

My husband is self-employed, and we have had a difficult time finding a lender that truly understands his 1099 work. We have been looking for a home for the last four years, which is not made easy by the market. Mitch not only understood his self-employment income, but helped us in every way possible to maximize our ability to purchase a home. ... Read More

Dec 22, 2025

Marc F

Mitch has done a phenomenal job working with us. Site unseen, halfway across the country and loan stipulations due to our status as military members. Mitch and his team really stepped up for us and helped make this an easy transition and purchase. Anytime, day or night with a silly question or assistance in understanding, Mitch was a phone call away and available to assist! Thank you Mitch! ... Read More

Nov 15, 2025

Hannah B

Mitch was amazing! He was communicative and helped me understand every step of the way! I would 100% recommend and utilize his services again.

Nov 07, 2025

Marc F

Wonderful experience. Mitch was always willing and able to take a phone call from all hours of the day/week. Mitch was able to handle a complex situation across two houses and multiple states. Thank you Mitch!!!

Nov 07, 2025

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

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equal housing opportunityNMLS CONSUMER ACCESS LINK: NMLS #1850

© 2026 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