We'll help you get a personalized loan that meets your needs, whether you're purchasing or refinancing. Our experienced team provides the answers you need for your home loan, from programs and tools, to trends and finances. Our loan officers apply their financial expertise to provide you with clear and simple options.
We sit down with you to outline the benefits of financing your home, giving you confidence in your next move. We handle the research and processing under one roof, taking on the work so that you don't have to. You get more options working with a direct lender who has access to the best refinance and purchase programs.
We sit down with you to outline the benefits of financing your home, giving you confidence in your next move. We handle the research and processing under one roof, taking on the work so that you don't have to. You get more options working with a direct lender who has access to the best refinance and purchase programs.
Services
Whether you're a homebuyer or a homeowner, we want to get to know you. It's our personal goal to help you find the simplest, most affordable strategy for financing for your home. We're a full-service mortgage lender that is willing to sit down at your kitchen table, meet your family, and build a strategy that makes your home as affordable as possible.
A conventional purchase loan is the most common mortgage used by homebuyers, often because it provides a broad range of affordable options. River City Mortgage can help you decide what loan can help you afford your home. Conventional purchase loans are not government-insured or guaranteed.
Instead, they meet the standard down payment and income requirements established by the Federal National Mortgage Association (FNMA or Fannie Mae) and the Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac).These organizations help fund the U.S. housing market. These standards require a higher credit score to qualify but they also provide you with more options for determining your down payment, closing costs, and monthly payments.
Instead, they meet the standard down payment and income requirements established by the Federal National Mortgage Association (FNMA or Fannie Mae) and the Federal Home Loan Mortgage Corporation (FHLMC or Freddie Mac).These organizations help fund the U.S. housing market. These standards require a higher credit score to qualify but they also provide you with more options for determining your down payment, closing costs, and monthly payments.
Refinancing can be a great way to make your home more affordable and help you accomplish other financial goals. A conventional refinance allows you to lower your monthly mortgage payment, pay off your mortgage faster, or pay down other high-interest debt. River City Mortgage can help you decide if refinancing is right for you.
An FHA loan may make it easier for you to afford purchasing a home. With more flexible requirements, you can use an FHA loan to buy a home with lower credit and a smaller down payment, while still aligning with your other financial goals. River City Mortgage can help you decide what loan can help you afford your home.
If you bought your current home with an FHA loan, you may be able to refinance your mortgage through a streamlined process, lowering your interest rate and making your loan more affordable. River City Mortgage can help you decide if refinancing is right for you. The FHA Streamline program is backed by the Federal Housing Administration (FHA), making refinancing fast and simple, with easier approvals and no-closing-cost options.
Reviews (19)
Gwen Peters
Jan 05, 2022
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Rosie Pete
Jan 05, 2022
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Kenneth Houston
Dec 17, 2021
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We was contacted by River City Mortgage about wanting to help us move away from an FHA loan, we currently had, to a conventional loan. We agreed to have some one come to our house and sat down and went over our options. We decide to at least pursue the possibility of getting away from the FHA loan and the PMI insurance that went with it.
We contacted our current mortgage company, and told them we was talking to another company, and wanted to see if they wanted to try to match or beat River City's offer. We were told by our company that there was nothing they could do to help us move to a conventional
We contacted our current mortgage company, and told them we was talking to another company, and wanted to see if they wanted to try to match or beat River City's offer. We were told by our company that there was nothing they could do to help us move to a conventional
Keri F. KeriF
Dec 16, 2021
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Highly Recommend River City Mortgage! Fantastic experience! Maria P. went above and beyond to keep me informed, up to date and had a very hands on approach as she guided me thru the often times difficult process that refinancing a home mortgage can be. Maria made it so that it was not difficult at all, she made the process smooth and easy! I am now on my way to a better financial situation and I have Maria to thank for that!
Shumi M. MabaSa
Dec 15, 2021
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Trading with a trusted account manager is what can make your dreams come through. For me Sandra Billy has the best trading strategies to win. I never believed on any post recommending online trading until I gave a try and the outcome was great for me. Making $6750 out of $1000 was a whole lot of profit for me. Thank me later you can contact her via; Email:sandrabilly500@gmail.com WhatsApp: +15128931587
Bala Baligis Abubakar
Dec 06, 2021
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The key to trading success is emotional discipline and a well perfect Miner. If intelligence were the key, there would be a lot more people making money trading… I know this will sound like a cliche, but the single most important reason why people lose money in the financial markets is that they don’t cut their losses and take a bold step into… success, getting a good miner who helps you manage your trade account is what we all need! With the help of Mrs Janet Wilder I have been doing perfectly fine with my Trade account no more lost and complains , get your self a good Trader
Tyler Hoogerwerf
Nov 22, 2021
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Cindy Harrod
Nov 13, 2021
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From start to finish River City Mortgage went above and beyond to make sure my process to purchasing my home was smooth, fast and easy for me. LiAnn answered all my questions throughly, so I understood everything that was going on. LiAnn was always keeping me updated and was super sweet and very knowledgeable. A true pleasure to work with. River City Mortgage team worked hard to close on my house on scheduled closing date and made it happen! I can't recommend them enough! Thank you RCM and LiAnn!!!!! I am sleeping sound in my new home. ❤
Holly Raines
Nov 08, 2021
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Jill Bailey
Nov 04, 2021
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These people don’t know what they are doing when it comes to refinancing. We were set to close with a whole other bank and they tried to steal us away and offer us something better and we fell for it only to be let down 3 days before our supposed GUARANTEED closing date! We are now NOT closing at all with them. They kept us strung along for 6 weeks. Cost us a late fee on our mortgage. A mess! Good thing our original bank was happy to take us back and get it done! CARDINAL FINANCIAL. Message me for contacts if you want the job done right!
Andres Lin-Shiu
Oct 29, 2021
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I would highly recommend River City Mortgage. My experience working with Heather Witt in particular was great. From the very beginning Heather was very communicative and was very patient throughout the whole processes especially since this was the first time buying a home.
However, what really stood out the most was how accommodating and understanding Heather was; especially since I was dealing with some family emergency and Heather made sure I didn't have to worry about flying back and forth to Cincinnati and arranged it so that I could be with family out of town even on a last minute notice
However, what really stood out the most was how accommodating and understanding Heather was; especially since I was dealing with some family emergency and Heather made sure I didn't have to worry about flying back and forth to Cincinnati and arranged it so that I could be with family out of town even on a last minute notice
Abdul Raheem Yusuf
Sep 21, 2021
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I had to leave this post here as a sign of gratitude since that is one of the least she asked of me. From my calculations, I made $10,200 in 1 week trading since Karen started managing my account,I haven't experienced any regrets in continuing binary options trading, though i lost a lot when I started as a newbie but since i met her i have always… been smiling, i feel so much joy each time i log in daily to see my trade records and balance she is indeed a good expert, .experience this for yourself action speaks louder feel free to ask me more or contact Karen via Email: karenfoo777@gmail
Jerry Smith
Sep 19, 2021
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My wife and I are both self-employed, making our application more difficult than normal. We had started the refi process with our current lender/bank and we’re two months into it when I got a call from Alex at River City Mortgage. They worked through the issues and got us funded before the original lender got us approved. Thank you for getting this done quickly for us!
John Normandin
Sep 10, 2021
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Hannah Kirschbaum
Sep 10, 2021
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Rogelio Terrado
Sep 01, 2021
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Llll
Aug 31, 2021
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Horrible telemarketing. Just got hung up on by a telemarketer from this place because I didn’t want to talk about mortgage rates. I said “no thank you” very politely 3 times because they would not stop pressuring me to talk with them. Finally, the person on the line said “Bye!” very rudely and hung up on me. If they were going to have a chance of getting my business in the future they just lost it. 🤷🏾♀️
Cassie Holcomb
Aug 16, 2021
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We originally financed our home last October through River City Mortgage, and although we hit a few snags in the process (we had just paid off our chapter 13), Ray Brousseau and Jeff Brousseau were both very thorough and patient (even when we may not have been). This July, Tim Fitzgerald reached out to us and recommended an FHA streamline refinance, which Ray had mentioned when we initially closed. Tim was able to cut our interest rate almost in half and add $100/month to our principle each month, while reducing our payment by $260/month. The process took exactly two weeks from start to closing
Chantel Carolus
May 08, 2021
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I never knew Triumphant Foundation were real and true. I didn't believe I will find a trustworthy and reliable financial institution after making several bad decisions but thank God Triumphant Foundation exists. I selected Triumphant Foundation because of its good ratings and recommendations. Refinancing with Triumphant Foundation was like a… breeze. Everything was straight forward from the beginning to the end. Most trustworthy and reliable company, affordable loan, excellent communication and a very user-friendly website. Mr Hans and the entire team were awesome to me. I was never left
