Your Dream Home Awaits. Let's Finance It Together.
Home finance solutions tailored to every borrower. Whether you're buying your first home, refinancing, tapping equity, or financing an investment property, is an Air Force veteran and Mortgage Loan Originator who shops multiple lenders to build a loan around your goals.
Rates and terms are set by lenders and subject to change. Not a commitment to lend. Gene Richter, NMLS #2806488, is a mortgage loan originator operating through PBT Bancorp, NMLS #257781. Not a direct lender.
Meet Your Loan Officer
Gene Richter
Mortgage Loan Originator
U.S. Air Force Veteran
NMLS #2806488
PBT Bancorp · NMLS #257781
Your home finance wingman.
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 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.
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
The most common loan type, backed by Fannie Mae or Freddie Mac. Flexible for primary homes, second homes, and investment properties — with as little as 3% down for qualified first-time buyers.
FHA
Government-insured financing built for buyers with lower credit scores or limited down-payment savings. More forgiving qualifying guidelines make homeownership reachable sooner.
USDA
Zero-down financing for homes in eligible rural and many suburban areas. Designed to make homeownership affordable outside of major metros, subject to household income limits.
VA
For eligible veterans, service members, and surviving spouses: no down payment and no monthly mortgage insurance. Gene runs a dedicated VA site with calculators and a full eligibility walkthrough.
Home Equity Loan / HELOC
Put your equity to work without touching your first mortgage. A home equity loan gives you a fixed lump sum; a HELOC is a revolving line you draw from as needed — ideal for renovations or debt consolidation.
Rate-and-Term Refinance
Replace your current mortgage to lower your rate, reduce your monthly payment, or shorten your term. A straightforward way to improve your loan without pulling out cash.
Cash-Out Refinance
Refinance for more than you owe and take the difference in cash. Fund home improvements, consolidate higher-interest debt, or cover major expenses — using the equity you've already built.
Construction
Finance a home you're building from the ground up. Construction-to-permanent options roll the build and your final mortgage into a single closing, so you don't refinance twice.
Adjustable-Rate (ARM)
Start with a lower fixed rate for an introductory period (often 5, 7, or 10 years) before the rate adjusts. A smart fit if you plan to move or refinance before the fixed period ends.
Bridge Loan
Buy your next home before your current one sells. Short-term bridge financing unlocks the equity in your existing property so you can make a strong, non-contingent offer.
DSCR (Investor)
Debt-Service-Coverage-Ratio loans qualify on the property's rental income rather than your personal income — no tax returns or W-2s required. Built for real estate investors scaling a portfolio.
Down Payment Assistance
Grants and second-lien programs that help cover your down payment and closing costs. Especially valuable for first-time and moderate-income buyers who are ready to own but short on cash to close.
Specialty & Niche Programs
Have a less-common scenario? Gene also originates a range of specialty programs. If you don't see your situation here, ask — chances are there's a fit.
For Veterans & Service Members
Looking for a VA loan?
Gene runs a dedicated site just for the VA benefit — with a full eligibility guide, funding-fee tables, and VA-specific calculators. If you're a veteran, active-duty service member, or surviving spouse, that's the best place to start.
Tools & Calculators
Run your own numbers before you apply. Every result is an estimate — talk to Gene for figures specific to your situation.
Payment Estimator
Enter a loan amount, rate, and term to estimate your monthly principal and interest payment.
Affordability Calculator
See what home price fits your budget based on income, monthly debts, and down payment using a DTI-based estimate.
Refinance Breakeven
Find out how many months it takes for a refinance to pay for itself based on your savings and closing costs.
Frequently Asked Questions
Straight answers on the loan types, down payments, and credit questions buyers ask most. Speak with Gene directly for guidance specific to your situation.
More questions? Contact Gene.
Let's Talk About Your Goals
Tell Gene what you're trying to do and he'll shop multiple lenders to find the right fit. No obligation. No pressure.
Gene Richter, MLO
NMLS #2806488 | PBT Bancorp | (719) 722-4278