Your Missouri and Texas Mortgage Lender

At iknowamortgageguy, LLC, I leverage more than 25 years of mortgage lending experience to deliver the best possible rates and the lowest costs for my clients. I research a wide range of lenders to identify the optimal loan solution and can close loans in as little as 14–21 days.

If you ever need a second opinion, I am always available. At your request, I will review your current loan offer to confirm you’re receiving the best terms—or demonstrate how I can improve your loan scenario. With lower overhead, I can consistently beat competitors’ rates and will not lose on closing costs.

I offer a full range of mortgage products, including options for credit scores as low as 500. To ensure a seamless transaction, I personally manage your loan from start to finish, with only the underwriter involved beyond me. There are very few challenges I cannot overcome, and no one will work harder on your behalf.

Call me, try me, and give yourself—or your referral—the best customer service in the industry. I say “yes” when others say “no.”

NMLS #2796027

HOMEBUYERS

Whether you are a first time home buyer or purchasing your dream home, Our team will help you find the right financing solutions to meet your needs.

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TODAY'S RATES

Mortgage rates can change on daily basis. Our team specializes in market trends and help homeowners to determine the right time to purchase or refinance.

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REFINANCE

We can help you lower your interest rate, lower your monthly payment, or take cash out. Our team is here to help you with all of your mortgage refinancing needs.

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Top Rated Mortgage Company In St Charles

If you have mortgage related questions, we have the answers.

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We are the Trusted Name in Mortgages

Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name that is trusted throughout the community.

How much do you qualify for?

No Obligation. No Credit Check.

$350 M

in loans funded to date

10-DAY

average closing

100%

customer satisfaction rate


Happy family

Loan Options

Finding the right home loan requires careful consideration of your needs, finances, and history. We are here to guide you through the process.

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Our clients are the foundation of our success

Heidi McCullough

Mike Richardson is the most helpful broker/lender I have ever spoken to. From the first 5 minutes on the phone with him, I understood more than the hours I spent on the phone with another lender. We are very thankful to have gotten Mike’s information, I firmly believe if it wasn’t for him we would not have been able to buy our first ever house as a Brand New House! Not only is he extremely helpful with the house but with our credit too! He gave us pointers on how to better our credits so we can have a more successful future! We would highly recommend Mike over and over again!

Brenda Bollinger

Mike was always willing and available to answer my questions and address my concerns thoroughly, and I felt completely comfortable with his advice and recommendations. Even now that the process has been completed, I appreciate that he is still there for me when I have questions. Having Mike to lead me through the financing process made this experience less intimidating. Mike is professional and knowledgeable. Perhaps more importantly, he is friendly and thoughtful. Financing my home through Mike Richardson has been a pleasure, and I highly recommend him to anyone in need of financing or a mortgage.