“First time home buyer. Mike was recommend by my agent, and I can see why. I did not feel like a product, or a vehicle for profit. What I wanted, and what was best for me, was Mike’s priority.”

“I did a mortgage refinance with Mike and he couldn’t have been more supportive and helpful. His communication was timely and clear every step of the way, even when the process got complicated. And I was highly confident in Mike’s expertise, easily trusting his recommendations. I would highly recommend Mike and Birchtree Mortgage”

“Mike was awesome through the whole process of buying our house; from getting pre-approved, to modeling the costs associated with individual homes as we searched, and then during all the final paperwork involved with closing. He was always immediately responsive, returning phone calls almost immediately and working collaboratively with our realtor. He came highly referred from a friend and I would also highly recommend having Mike Richton on your team as you go through the home buying process!”

“They have an incredible team at Birchtree and we’re extremely helpful throughout the whole process. Go with them, you won’t regret it.”

“As a first time home buyer, I would highly recommend working with Mike at Birchtree. He was extremely knowledgeable, genuine, and a pleasure to work with!”

“Mike did a fantastic job from beginning to end. He was well organized, very thorough, and very knowledgeable of all mortgage products. Mikes communication and process followed were flawless.

Mike made the mortgage process an easy one for us and we would recommend him first above all other companies.

Great work Mike! Thank you!”

“Mike was professional, efficient and found us the lowest mortgage rate by far. I will recommend him to everyone I know.”

“Working with Mike and Birchtree Mortgage helped alleviate significant stress from the home buying process. It was a first class experience and we felt that Mike truly had our best interest at heart.”

“Made a normally stressful process seam like a stroll in the park. I highly recommend Birchtree Mortgage.”

“Working with Mike Richton at Birchtree was an absolute game-changer for us. Mike took the time to understand our needs and found us the best mortgage options faster than we could have imagined. His expertise and dedication made the entire process smooth and worry-free. Mike was always available to answer our questions, providing clear and helpful guidance every step of the way. If you’re looking for a mortgage broker who goes above and beyond, Mike Richton at Birchtree is the one to trust. We couldn’t be happier with our experience!”

“Communication is key in our industry, and Birchtree Mortgage excels in this area. Mike is always accessible, promptly returns calls and emails, and keeps everyone informed every step of the way. This level of transparency and responsiveness is rare and greatly appreciated.

Moreover, Mike has a knack for making the mortgage process smooth and stress-free for clients. He explains complex concepts in an easy-to-understand manner and provides guidance and support from pre-approval to closing.

I highly recommend Mike to anyone in need of mortgage services. His professionalism, expertise, and genuine care for clients make him an invaluable asset to any home buying team.”

“We we’re referred to Mike by our RE agent and had a great experience with him. We had been in contact with a local bank and thought that we had the best rate we could find, but Mike was able to help find additional leads from lenders we would not have been able to find on our own as well as negotiate an amazing rate and closing credits for us. We especially valued Mike’s service in communicating with us and explaining different parts of the process, as well as walking us through the different options for the mortgage. This was especially helpful to us as first time homebuyers since we we’re very anxious about different parts of the process. Overall, we highly recommend Birchtree and would use them again in the future!”

“Working with Mike at BirchTree Mortgage was more than just securing a mortgage; it was like having a trusted friend guide me through the home financing process. From the very beginning, Mike made me feel like family, and his approach to customer service was nothing short of exceptional.

What sets Mike apart is his unique ability to blend professionalism with a personal touch. Right from my initial consult, it was evident that Mike wasn’t just interested in numbers and paperwork – he genuinely cared about my goals, preferences, and financial well-being. Mike’s personalized approach made a significant difference in what can often be an overwhelming and impersonal process.

I would also like to note that Mike demonstrated an incredible level of patience and understanding. Mike took the time to thoroughly explain every aspect of the mortgage process, ensuring I felt comfortable and well-informed at every step. This not only eased any anxieties I had but also strengthened the trust I had in Mike’s expertise.

In the end, I not only got a great mortgage deal, but I also gained a friend in Mike. The entire experience was marked by trust, transparency, and a level of care that goes beyond the typical client-broker relationship. If you’re looking for a mortgage broker who treats you like family and friends, Mike at BirchTree is the one to choose. Thanks, Mike!”

“Mike was informative throughout for our first-time home buying experience. Direct and responsive. We had to mobilize an offer on Super Bowl night and he responded right away and helped us through it. Would recommend working with Mike and team.”

“Mike was extremely helpful and got us a good rate vs. other options we considered. Would recommend him to anyone who needed a new home or wanted to refinance.”

“We had a wonderful experience working with Mike from Birchtree Morgage. With his guidence we felt confident in the process of buying our first home. Mike was fantastic every step of the way. I would highly recommend using him.”

“The attention to detail, and thoroughness was exceptional. The response rate was much appreciated. Mike was very helpful in securing an excellent rate. I highly recommend Birchtree Mortgage!”

“Mike from Birchtree Mortgage is amazing to work with! Mike is very knowledgeable and is really good at what he does. He explained the entire process clearly, always responded to my questions, be it after work or during weekends, and he definitely got me the best rate. I’d would 100% recommend Mike to everyone out there.”

“I can’t say enough about Mike. As first time home buyer, with very little experience, I really appreciate him working on my requests 24/7(nights, weekends, weekdays). Mike is an incredible professional and made everything so smooth, communicative and efficient.”

“I’ve worked with Mike several times in the new purchase and refinancing of several properties. He is extremely knowledgeable, professional, and has true integrity. He works quickly with his team to get everything done as quickly as possible. Each interaction leaves me feeling that he has my best interest in mind. I highly recommend him!
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“Mike at Birchtree Mortgage is a fantastic resource in navigating the fast-paced and multi-dimensional world of mortgages. We’ve worked with Mike on a number of occasions with first mortgage and several refinances, and he’s a great help in finding and working through the numerous options to find the right product. It doesn’t stop there, though, Mike is great at handling as much of the heavy lifting as possible and using the right tools and resources to make the process as quick and smooth as possible. I would highly recommend working with Mike and Birchtree Mortgage.”

“Mike Richton at Birchtree has been stellar at not only helping me get a great rate, but making the refinancing process easy and educating me along the way. This is my 2nd refinance with Mike (in about 1.5 years) and it was a breeze. Saved a bunch and thanks Mike - for making it go so smoothly!”

“I worked with Mike on the purchase of my first home. I went into the experience with a lot of questions and Mike was so helpful in answering all of them. Mike is very knowledge and responsive. I would highly recommend Birchtree Mortgage.”

“Mike was awesome to work with. He was extremely knowledgeable and responsive. My husband and I were very happy with how fast our refinance went through even with all the Covid obstacles. We would not hesitate to use Birchtree for future matters.”

“Mike was amazing to work with! He helped me determine how much I could afford, he patiently and thoroughly answered all my questions (and there were a lot!), and was extremely responsive during every step of the process. Not to mention, he got me a great rate on my mortgage. I’d recommend Mike to anyone!”

“Mike is awesome. Transparent with rates and quick to close. Highly recommend using Mike for mortgage loan or refi!!!”

“We worked with Mike on our first Mortgage and two refinances- he is not only great at what he does, he is kind and explains everything in clear detail so that we could understand and make the best choices for us. We have saved so much money refinancing our loan. We would not only use Mike and Birchtree Mortgage again, but recommend him to all of our friends who are first time home buyers.”

“Mike at Birchtree Mortgage knocked it out of the park with us. While we were house hunting and submitting offers to purchase, Mike was incredibly prompt (responsive within hours, day or night) and informative in assisting us with obtaining pre-approval letters tailored for each offer. Once we had an offer accepted, Mike’s services continued to impress us with his ability to secure a mortgage loan with favorable interest rates during the height of economic uncertainty of COVID-19 shutdown. Despite the Fed dropping interest rates to nearly 0%, during the days leading up to our closing, we saw some volatility in mortgage lending rates, especially to younger folks, and our success in obtaining an excellent interest rate was a direct result of Mike’s calm confidence and extensive knowledge of the industry, and relationships with lenders. Beyond securing the loan, Mike assisted us in brokering the relationships between us and our attorney (during a very busy time for everyone involved) to ensure all the proper paperwork was in place to support the close date, which we met in a drive through, socially distanced manner - thanks to Mike! He provides nothing less than an outstanding service to a prospective borrower, and ensured that we felt well-informed and taken care of during every step in the home-buying process - definitely above and beyond the services we had even hoped for! We will definitely return to Birchtree Mortgage for a subsequent mortgage arrangement.”

“We partnered with Mike Richton to purchase our dream home in what turned out to be an extremely challenging transaction... Mike was of unwavering support in every step of the way, and went above and beyond to make it easier on us and to get us the very best deal for a mortgage. He was outstandingly straightforward, cordial and quick, both to respond to our needs and questions as well as to get done IMMEDIATELY what needed to get done. All that notwithstanding, he was also able to make happen in such a way that allowed us to keep our previous home and make it a rental property - something that no other mortgage broker was able to do. We couldn’t be more satisfied with the service provided by Birchstreet Mortgage and would wholeheartedly recommend his services to our closest friends and family and pretty much anyone else!!”

“Working with Mike on our recent refi was a pleasure. He is fantastic at working with you and answering any and all questions that arise, making the process as painless as possible. I would absolutely recommend Birchtree Mortgage to friends and family.”

“Working with mike was a breeze. There are so many people to work with but the ones that are attentive and responsive like Mike made the difference. He was available through out the whole process. would recommend to others and would work with again”

“Birchtree Mortgage is a true partner. I’ve worked with Mike many times over the years on both new home purchases and refi transactions, and the level of service he provides is nothing short of spectacular. He makes the process seamless; from the upfront consulting on what product made the most sense for our situation, to the information gathering process, to the loan approval and the ultimate closing process. I highly recommend Birchtree to anyone considering a real estate transaction, and will continue to use Mike for all my mortgage needs in the future.”

“We could not have asked for any better service than what Mike provided. He was polite, thorough, honest, and FAST. He responded to any email, call or text almost immediately. He was patient when we asked questions and made us feel like we were truly all working together. I cannot say enough about his professionalism and timeliness.”

“Mike helped us with our mortgage when we moved homes, and his service and professionalism were so impressive that we decided to use Birchtree again when a good opportunity arose to refinance. Mike thought outside the box for our specific needs, while also answered our questions in a courteous and timely manner. I highly recommend Birchtree and Mike to anyone looking for mortgage advice, you won’t be disappointed.”

“I was very pleased with the service and how comfortable you made me feel through the experience.”

“MIke at Birchtree Mortgage did a great job with our purchase in Western Massachusetts. He was able to close our loan in 3 weeks which helped reduce the stress of purchasing. He was always available by phone which was extremely important to us. We would definitely use Mike again and will be referring him to our friends and family.”

“Birchtree Mortgage is awesome. I worked with Mike on the purchase of a home as well as on the refinancing of a vacation home. He is extremely honest, and each time he worked hard to make sure I got the best loan for my needs at the best possible rate. Mike is a great communicator and makes the process super easy. Another bonus is that their office is beautiful, comfortable, and conveniently located right in downtown Hingham. I feel so lucky to have a lender I trust on the South Shore that provides the professional feel of a big bank but with the personalized service of a local business. I can’t recommend Birchtree highly enough, and will continue to use them for all my mortgage needs.”

“Mike is very professional and easy to work with. Smooth process and he utilizes the latest technology to reduce the workload and paperwork required by the borrower.”

“Mike is very professional and easy to work with. Smooth process and he utilizes the latest technology to reduce the workload and paperwork required by the borrower.”

“Mike at Birchtree Mortgage did a great job with our purchase in Western Massachusetts. He was able to close our loan in 3 weeks which helped reduce the stress of purchasing. He was always available by phone which was extremely important to us. We would definitely use Mike again and will be referring him to our friends and family.”

“I had a very good experience with your senior loan officer, Michael Richton. He was very helpful, knowledgable and professional. Wouldn’t change a thing.”

“From the first minute of working with Mike, everything went as smoothly as possible. This included me going away on vacation with limited internet access. I knew what I needed to provide and when and the whole process not only went smoothly, but saved me money as well! I would recommend Mike to friends and family in a heartbeat.”

“Worked with Mike on my first house. Great service, quick response.”

“Mike and his team made the process so easy ! Quick, painless, and not complicated. I would recommend Mike to all my family and friends. ”

“Working with Mike is a pleasure. He is a great resource in helping to navigate the complicated and ever-changing world of mortgages. With a quick phone call or an email, I’ve been able to rely on Mike to diligently compare current rates and options and come back with the best information to enable informed decisions regarding purchase and refinance. I would recommend Mike to anyone looking for sound information and a reliable mortgage resource.”

“Mike was extremely knowledgable and made the refinance process very easy. We highly recommend working with him.”

“Working with Mike was a great experience for us, as first-time home-buyers. Mike spent hours with us on the phone throughout the process making sure that we understood everything. Whenever we had a question we would get a response within minutes. All of the work was completed ahead of time, without any complications. I highly recommend working with this company.”

“Excellent service, attentive to my specific needs and offered different scenarios to best suit my needs. Mike Richton is great at his job.”

“Mike and team are excellent partners . . . proactively bringing new opportunities to maximize the return on my real estate investments.”