Rick Richter

Regional Sales Manager

109 E. Michigan Ave., Saline, MI 48176
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NMLS: 46372

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TestimonialsCustomer testimonials Read more

So nice during the whole purchase and even at the end of the sell. Great customer service all around. Can beat the level of care. Excellent resource!!

Joshua D. | August 2018

So nice during the whole purchase and even at the end of the sell. Great customer service all around. Can beat the level of care. Excellent resource!!

Joshua D. | August 2018

Chuck Williams and the rest of Rick Richter’s team were amazing to work with! The process was quick and easy. Everyone was prompt, efficient and helpful. Our realtor and insurance agent were impressed as well. Thank you!

John R. - August | 2018

Everyone at guaranteed rate was very responsive to all my questions and concerns. My loan went off with out a hitch. True professionals!

Cody E. | July 2018

Thru numerous trials staff worked very hard to obtain my loan and all turned out successful.

Mary K. | July 2018

Helpful staff but I hate the updated government regulations and accompanying time to complete them.

Kirby B. - June | 2018

Rick Richter and his team were great to work with, professional and courteous all the way.

Wayne R - June | 2018

Rick Richter and his team (Matt and Kelsey) didn't miss a beat and were in lock-step throughout the process. Well done.

Joshua S. | May 2018

Unbelievable! What a great experience! Fast and efficient! Allowed us to get the home we wanted in a very tough sellers market! Thanks very much to the Guaranteed Rate team!

Charles N. | May 2018

In our previous experience trying to buy a house, we were frustrated by the lack of transparency from our loan officer and our real estate agent. This experience was completely different. After my first phone conversation with Rick Richter, he sent me a loan summary and pre-approval letter within an hour of talking to him. Throughout the process, he was always available by phone or email to answer questions. Once we put an offer on a house and began the loan application, the entire team at...

Sarah-Jane A. | April, 2018

Guaranteed Rate made everything so easy and simple! I was amazed at how it all worked so well online. My team did an excellent job and are to be commended!!

James L. - Waxahachie, TX | JUL 2016

By far the easiest financing process that I have ever been through!

Brenda T. - Spring, TX | JUL 2016

It was as close to a perfect show as it can get. Right from the time I called Rick Richter to closing the loan finally with the help of Matt Mitchell, things happened as were described earlier. Though I had some difference of opinion with Rick early on but he was absolutely clear about his position and that gave me the required confidence to commit to the loan with him. Rick comes across as extremely honest and ethical in his dealing and he in fact lived up to those expectations during my loan...

Raja – 3/30/2016

Check out this awesome Zillow review for Rick Richter! These guys made my refinance experience much less painful than expected! A++. Their documentation upload process is completely automated (online) and alleviates a lot of hassle. See full review: http://bit.ly/1PaJzt0

Anonymous Client – Monarch Beach, CA | JUL 2015

Check out this Yelp review for Rick Richter! We worked with Rick Richter and Matt Mitchell for our refi. I cannot give them enough praise. Prior to this transaction, we had a terrible time purchasing the home initially and an even worse experience selling our home and the financing that the buyers had setup. (...) They were so quick to getting back in touch with me if I had questions. Before I know it, we are approved and closed. It was so painless, I will definitely go with them in the...

Chris K. – Abingdon, VA | AUG 2015

Very Personable. Rick is a very nice man, who was very patient with me. I never felt rushed and he had no problem explaining his answers to my questions. I Have not bought a home in over 25 years so the loan paperwork might as well been in Greek. My agent was impressed too. After I moved in he sent me a bottle of wine and a card. I enjoyed that.

Barb, Plymouth, MI

Great Experience!!!Rick is very knowledgeable and always seemed happy to answer my questions. My Realtor referred me over to his company and I am glad they did. Speaking with Rick I felt very confident I chose the right guy for my loan. This is our first house and even when I was freaking out about the approaching closing date, Rick would seem to find a way to put my fears in check. He even took the time to explain the loan to my father. We are in the house and well on our way to making it feel...

Jenny Ann Arbor, MI 03/20/2014

Job well done. I had to refinance my home loan for reasons I could not control. I spoke with a few banks and Rick seemed to stand out. Even though my new rate is higher then my old one Rick took the sting out of that by making it easy on me and he worked very well with my attorney as well.

Ann Arbor, MI 03/20/2014

Great Work Rick. He did a great job and kept in the loop along the way. His team was polite, straight forward and took care of everything. My wife and I are very happy with the experience and are excited to start moving into the new house. I spoke with my bank and Ricks loan was cheaper and .25% lower in rate. We got a great deal!

Ypsilanti, MI 03/21/2014

Amazing customer service and value. I used Rick to purchase my first home and, as a first time home buyer, I had a lot of questions and needed to understand exactly what was going on. What could have been a terrifying experience was made painless with Rick's patience and easy to understand explanations. I shopped around his rate's and I couldn't find anyone that get me anything lower. Rick not only offered the best value I could find but his customer service should be used as an example to...

Andy P. Ann Arbor, MI 03/21/2014

Amazing Customer Service!!!When we bought our first home we were extremely nervous with the idea of being in debt for the rest of our lives. Rick spent a lot of time educating us regarding our investment and turned our fear into excitement. Because of him we had extreme confidence that we had made the best choice for our future! If you want to ensure that you are making the best investment at the best rates with minimal closing costs, then you must choose him. Your future couldn't be in better...

Jamielle Westland, MI 03/21/2014

Rick Richter was my loan officer a year ago when I made the decision to switch from a home to a condo. My experience with Rick was beyond anything I ever could have imagined with a loan officer. His customer service exceeds any service I have ever experienced. There were many steps and processes involved when working with the condo association and Rick seemed to manage and meet every need required. He has the ability to remain very professional but at the same time build a trustworthy...

Alyssa Northville, MI 03/02/2014

Getting a mortgage loan can be a scary process. It's hard finding someone you can trust. My experience in dealing with Rick Richter was exceptional. He was very knowledgeable and explained everything in detail thorough out the process. He was very professional and always responded in a timely manner. I would definitely recommend using Rick Richter for your next mortgage transaction.

Ypsilanti, MI 03/21/2014

Sticking with a winner! Yes, I recommend this loan officer Rick has taken care of my property financial needs for a decade....his rates are always the best, he is fast, he is efficient, he is good humored yet professional in an industry that is quite shrill and overpopulated with fast actors these days.....and he delivers. I have refied primary homes, vacation homes, rental properties, and investment properties with Rick. I keep going back to Rick, and will continue to, because I haven't found...

Ann Arbor, MI 03/21/2014

We have worked with Rick on numerous loans. We have received excellent service, reports, comparative quotes, and timely processing. Would definitely seek his help for future endeavors. I recommend this loan officer.

Portland, OR 03/21/2014

I recommend this loan officer. I have worked with Rick a few different times on loans. The last one he had to work with the county and zoning board to get some legalities ironed out. His team really pulled through on this last transaction and I am happy to refer him to my friends and family. Thank you

Amber, Ann Arbor, MI 03/26/2014

Working with Rick was a very smooth and painless process. I was going through my first loan application so everything felt overwhelming. Rick walked me through every step so I felt comfortable the entire time. I never felt rushed or under-informed. I got all the information I needed to make good decisions for my situation, my phone calls were returned quickly, and he explained everything to me along the way. I couldn't have asked for a better first experience navigating a new mortgage and I'm...

Susanne, Oregon 03/26/2014

About Rick

About Rick


Matt Mitchell, VP of Mortgage Lending – Matt is my “right hand”. He can answer any and all questions about financing your home and also advise on any part of the mortgage process.

734-368-9254, matt.mitchell@rate.com

Steve Mezgec, Elite Mortgage Consultant – Steve controls the upfront part of the process. He will send all loan disclosures over via DocuSign, invite you to TransferSafe (our secure document system) to upload all required supporting documents and he submits to underwriting.

734-368-9265. steve.mezgec@rate.com

Jennifer Campbell, Elite Loan Coordinator – Jenn is the back end part of the process. She will review the loan approval and connect with borrowers to request additional information if needed. She will work with borrowers to get the loan back to underwriting for the “clear to close”. Jennifer then submits the loan file to our closing team to coordinate getting the loan docs to title.

734-368-9262, jennifer.campbell@rate.com.

Daniel Puente , Operations Assistant – Dan assists in all initial documentation submissions and manages client interaction with DocuSign and TransferSafe programs. Available point of contact up until the point of Loan Approval.


Alex Hunter , Operations Assistant – Alex assists in all pre-closing coordination. Available point of contact for loans already approved and leading up to the closing date.


Rick interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the lending environment since college. I have over 13 years’ experience and have loved every day of it. When I first became a loan officer I was ranked as the National Rookie of the Year in 2004 by Mortgage Originator Magazine. I always try to work my hardest for my clients and I think that my work ethic and commitment to customer service has shown awarding me with being the #2 Loan Officer in Michigan 7 out of the last 10 years by the Scotsman’s Guide (our main trade magazine).
What specific steps do you use to help your customers find the best home loan for them?
I put myself in the shoes of my client. I like to dig in a bit to really understand their goals and plans for the future. There are times when what a client asks for is not the right program for them, and I always take the time to make sure my clients needs are being met with the best and most appropriate loan for their specific situation.
What advice would you give new or first time home buyers?
The point I would weigh heaviest for a first time home buyer is to plan ahead. Buying a house is a big deal and is a momentous achievement you will remember forever. I try to make these experiences as positive as humanly possible for my clients. The first challenge is to make sure there are no surprises for them. First time home buyers that have been speaking to lenders and realtors for a few months seem to have a better understanding of what they are getting into, and typically have a better experience. It is like studying for a final exam, you definitely want to do your homework. As a lender, I like to think I take a lot of the work out of the transaction for my client, but at the end of the day, there are always aspects of home ownership that come as a complete surprise to the buyer. I have helped hundreds of people get into their first home, and it is truly one of the most gratifying aspects of my job.
What can borrowers do to insure a smooth mortgage underwriting process?
Having a smooth process is worth its weight in gold. That is why I have always stressed the importance of working with a Top Notch Loan Officer backed by a great team. Nothing is worse then dealing with issues right before closing. In the beginning of the process I always outline the do's and don'ts, and spend time making sure that my clients fully understand what is going on and what financial moves we should avoid while we are in process.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
When I have free time, there is nothing I enjoy more than being with my family. I have 3 young children that are everything to me. If I could snap my fingers and be anywhere in the world it would be on my boat on the Chain of Lakes fishing with my children. It does not matter if the fish is only a blue gill, it is always a trophy fish to them. Their pure enjoyment of life and family is really a special thing to see.
Tell us something that makes you unique or something wacky, yet interesting about you?
In the summer time my wife and I take our children to a family camp Up North. I have been going there since I was a kid. While my children are off riding horses, sailing, going on nature walks and using bows and arrows, I will spend every day working on ceramics. There is something very peaceful about painting and designing coffee cups, plates and decorative pieces. If you have been to my house, you will notice that almost every cup or platter is a Rick Richter original all the way down to the dog bowl. I would like to say they are all beautiful works of art but it is safer to say I need to keep my day job.

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