About Gene Richter

Gene Richter is a U.S. Air Force veteran who has called Colorado Springs home since 2018. After years of service, he found a new mission: helping families, veterans, and investors navigate one of the biggest financial decisions of their lives with a wingman they can trust.

As a Mortgage Loan Originator with PBT Bancorp — The Abair Team, a division of Peoples Bank and Trust Company of Hazard, KY — Gene isn't tied to a single product. He shops conventional, FHA, USDA, VA, jumbo, HELOC, construction, and investor loans across multiple wholesale lenders to design the financing that actually fits your situation.

Federally registered to originate loans in all 50 states and U.S. Territories, Gene brings the discipline, straight talk, and follow-through you'd expect from someone who spent his career with people's trust on the line.

Gene is a mortgage loan originator, not a lender. He takes your application and submits your file through PBT Bancorp to wholesale lenders, who make all credit and funding decisions. His job is to understand your goals, match you with the right program, and guide you from pre-qualification through closing.

Because he isn't locked into one lender's menu, Gene can compare options across programs — a first-time-buyer FHA loan, a low-down-payment conventional loan, a USDA loan in a rural area, a cash-out refinance, a HELOC, a construction loan, or a DSCR loan for an investment property — and explain the trade-offs in plain language.