Matt Richter

Matt Richter

Branch Manager
NMLS ID 319232


With over 20 years of mortgage and real estate experience, you can rest assured I will handle your home loan with the utmost knowledge and integrity. The process of obtaining a home loan should be one that leaves you knowing you made the best financing decision. It's my goal to make sure each and every one of my clients has a good experience.


At Platinum Home Mortgage, we are able to provide financing solutions to our customers to meet their individual needs. We specialize in all Conforming, Non-conforming, FHA, and VA loans available today. In addition, we offer unique jumbo, Non-QM and niche products that other lenders do not. Our fast processing turn-times and smooth transactions make us the lender of choice for thousands of families across the nation.

Whether you are purchasing or refinancing, I have the knowledge and expertise to guide you into the best product for your current situation and make sure you feel comfortable throughout the entire process by having open lines of communication and answering any questions or concerns you may have. I am proud to be able to share my past customer experiences through my online reviews, be sure to check them out!

Make offers with confidence with a Platinum Purchase Pre-Approval Letter. Put your real estate agent in touch with me when you start the house hunting process and we can all work together to make sure you experience the best possible outcome for the transaction.

Contact Info

Cell Phone 208-818-2889
Fax 208-667-8796

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Let me guide you through financing

At Platinum, is as easy as 1-2-3-4!
Getting a pre-approval letter is the first step towards getting into a new home. You will need to answer some questions about your income, asset you may have and a credit check to see how much house you can afford. You will then receive a letter that contains the amount you are approved for based on the income, assets and credit information you provided.
After you found the right home, it's time to make an offer on the house. This involves submitting a letter that includes information about yourself, your offer price and anything else you like to include in the offer. Most offers include an earnest money deposit, which contains 1%-2% of the purchase price of the home.
An appraisal is always required to buy a home with a mortgage. It helps protect you as a borrower, by making sure that the current value of the property is not lower than what you are trying to buy it for.
Last step is closing on your home. You will receive a closing disclosure, that gives you information about what you need to pay and a summary of your loan details. At the closing meeting, you will sign a settlement statement, mortgage note and mortgage or deed of trust to secure the mortgage note. After which you are finally the owner of your new home.
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Customer Reviews

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