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Your Home, Our Hometown Expertise

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Welcome to Legacy Home Loans Group

Welcome to Tom Richter Home Loan Adviser, where innovation meets expertise. As a seasoned mortgage loan originator, Tom takes pride in offering an unparalleled experience that’s both transparent and empowering. Using state-of-the-art technology, Tom provides every client with a Digital Cost Analysis—a cutting-edge tool that allows borrowers to visualize and understand every detail of their loan transaction in real time. This comprehensive, interactive approach sets Tom apart, ensuring that no other mortgage experience compares. Whether you’re a first-time homebuyer or refinancing, Tom’s commitment to clear communication and advanced technology ensures that you make informed decisions every step of the way.

How may we help you?

I want to see some loan scenarios

Great! you can fill out loan questionnaire and one of loan officers will connect with you.

I want to get a preapproval

Please go to our secure online application so we can get you started!

I am looking for general information

You have come to the right place! We post articles every week on our blog that are very educational.

Use our mortgage calculator to see some loan scenarios

Affordability
Purchase
Refinance
Rent Vs Buy
Veteran Affairs
Veteran Refinance
Debt-Service (DSCR)
Fix & Flip
Screenshot of an online mortgage affordability calculator with fields for income, debts, and expenses. Results show monthly mortgage, loan amount, payment breakdown, loan details, and a summary analysis on the right.

Start a discussion about your mortgage needs today!

We pride ourselves on excellent communication and easy accessibility when you need us. Our experienced staff is here to guide you every step of the way.

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Clarification and education

Visit our blog with 100+ articles on important mortgage topics.

Our blog articles are geared towards first-time home buyers and mortgage market news.

As an education based mortgage company we strive to provide helpful information.

Buying a Home Before the School Year? Here’s What Families Should Know

Buying a Home Before the School Year? Here’s What Families Should Know

Why Timing Matters for Families For families with school-aged children, buying a home isn’t just about bedrooms and bathrooms—it’s about…

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