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Gene Richter NMLS #2806488 | PBT Bancorp NMLS #257781
Finance with GeneHOME LOANS · COLORADO SPRINGS
(719) 722-4278

Loan Products

One originator, many programs. Gene shops multiple lenders across every major loan type, so the financing fits you, not the other way around. Not sure which is right? Talk it through with Gene.

Conventional Loans

Fannie Mae and Freddie Mac financing for primary, second, and investment homes. As little as 3% down, with PMI you can drop later.

From 3% downNo upfront mortgage insurancePMI cancels at 20% equity

FHA Loans

Insured by the Federal Housing Administration. Lower down payment, flexible credit, a common first-time-buyer path.

3.5% downCredit scores from 580Flexible debt-to-income

USDA Loans

Zero-down financing for eligible rural and suburban areas, subject to household income limits.

0% downEligible areas onlyIncome limits apply

Refinance

Rate-and-term or cash-out. Lower your payment, shorten your term, or put your equity to work.

Lower your rateShorten or extend termCash-out option

HELOC & Home Equity Loans

Borrow against your equity while keeping your first mortgage, through a revolving HELOC or a fixed home equity loan.

Keep your 1st mortgageFixed lump sum or lineDraw as needed

DSCR Investor Loans

Qualify a rental on its cash flow, not your personal income, and skip the tax returns. Built for investors scaling a portfolio.

Qualify on rent, not incomeNo tax returnsPortfolio-friendly

Down Payment Assistance

Grants and second-lien programs that help with the cash to close. Especially useful for first-time and moderate-income buyers.

Help with cash to closeGrant or second-lienFirst-time friendly

Construction Loans

Build from the ground up. Construction-to-permanent options roll the build and your mortgage into a single closing.

Build-to-ownOne-close optionsDraw schedule

Adjustable-Rate Mortgages (ARM)

A lower intro rate fixed for 5, 7, or 10 years, then it adjusts. Best when your time in the home is shorter.

Lower intro rate5/6, 7/6, 10/6 termsRate caps apply

Bridge Loans

Buy before you sell. Short-term financing that taps your current equity so you can make a non-contingent offer.

Buy before you sellShort-termStronger offers

VA Loans

For eligible veterans and service members: zero down and no monthly mortgage insurance. Gene runs a dedicated VA site with calculators and a full eligibility walkthrough.

See the full VA experience at Go VA Loan →

Looking for something else, like construction, bridge, down payment assistance, jumbo, or a bank-statement program? Gene originates those too. See the full list of loan programs or just ask.