Applications Closing February 2024


Homeowners are advised to take advantage of a new Mortgage Stimulus Program before it’s gone. This is likely to be the largest benefit program American homeowners have seen.

This Stimulus Program is aimed to help average American citizens and stimulate the economy. Utilizing this new service could get homeowners $271 /mo* or $3,252* per year!

Banks do not want homeowners to know about these programs as they can greatly lower mortgage payments through this simple Government-backed solution.

We recommend checking your eligibility as soon as possible before deadlines are announced or requirements are changed.

To see if you live in an active zip code, just click below.


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* – Based on Median Home Equity of Americans aged 45 to 54 of $70,000 (U.S. Census Bureau)

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river city mortgage reviews

River City Mortgage: Real Customer Reviews and Insider Secrets Exposed!

River City Mortgage Overview

If you’re searching for a mortgage, River City Mortgage is a great option. They offer a range of loans, including conventional, VA, FHA, and USDA types. Plus, they provide refinancing options.

The team at River City Mortgage is devoted to helping customers find the best rates. They provide personalized guidance and transparency throughout the process. Furthermore, they guarantee competitive prices and strive to give clients an affordable solution.

To make the experience as smooth as possible, River City Mortgage offers online pre-approval applications and fast closings. Plus, their website has helpful educational resources like a mortgage calculator, FAQs, and blog posts.

River City Mortgage is one of the best in the business. Their transparency and commitment to finding tailored solutions make them worth considering.

River City Mortgage Services

To understand and avail the services of River City Mortgage, explore their Home Purchase Loans and Refinance Loans. River City Mortgage is the place to go in order to find good loan options for your financial needs. Each of these sub-sections is a solution for the two-faceted problem of purchasing and refinancing a home.

Home Purchase Loans

River City Mortgage Services offers tailored Home Financing Solutions, making the purchasing process smooth and stress-free. Our Mortgage Specialists provide expert guidance throughout the journey to help you find the perfect loan.

We offer various loan products, from conventional fixed-rate mortgages, to ARMs and FHA loans. Our custom-made solutions provide options for buyers and sellers. Sara and James’ dream home was secured with our jumbo loan program. They experienced difficulty due to unstable income and insufficient down payment resources. Our team reviewed their income and credit history, finding a loan they qualified for within their budget.

Refinance loans can be like a ‘do-over’ – when you just need a mortgage makeover. River City Mortgage Services has the expertise to make it happen!

Refinance Loans

Want lower monthly payments? A shorter loan term? Or cash out equity? River City Mortgage Services specializes in refinancing mortgages and can help you achieve your financial goals with competitive rates. Refinancing is a smart decision to save money in the long run and improve your finances.

  • Lower Monthly Payments: We can help you lower monthly payments and make them more affordable.
  • Shorten Loan Term: Need to pay off your mortgage faster? 15-year loans shorten the term of your debt.
  • Cash Out Equity: Use the equity in your home to fund other projects, such as renovations or paying off high-interest debt. Our cash-out refinance helps you access funds.

At River City, we offer personalized services. Our experienced mortgage specialists will guide you through every step. For example, a recent client struggling with high monthly payments was able to save up to $400 per month after getting an ideal refinance option from us. Plus, getting a mortgage with River City is easier than finding a Tinder date!

River City Mortgage Application Process

In order to complete the River City Mortgage Application Process with ease, you need to understand the solutions provided in Pre-Approval and Loan Application. These two sub-sections play a significant role in securing your mortgage, so it’s important to familiarize yourself with their respective benefits.


At River City Mortgage, our process starts with evaluating your financial profile, aka Verification and Screening. This helps us give you an estimate on the mortgage you can avail of – without impacting your credit score. It’s important to share info like annual income and personal/joint debts.

Our loan pros work together with you to get a solution for your unique needs. We keep all communication channels open, so you are informed of each step. After Pre-Approval, we move onto processing the mortgage application.

Getting ready with tax returns, bank statements, and employment verification are key. Our team will help get everything in order.

Pro Tip: Pre-Approval gives you a clear target for house hunting. This streamlines processes and makes home buying easier.

Loan Application

We can make your loan request process quick and easy! Just give us your contact info and you’re ready to fill out our online app form. Submit it and our experienced loan officers will review your application, asking for additional information if needed.

Plus, we offer lots of loan programs to fit your unique financial situation – conventional, FHA, VA, USDA, and more. Our goal? To find the right loan for you.

Pro Tip: Get all your documents ready before you apply – pay stubs, tax returns, bank statements, etc. It’ll help speed up the process and increase your chances of getting approved!

River City Mortgage Rates and Fees

To understand River City Mortgage rates and fees with interest rates and closing costs, here’s what you need to know. Getting competitive rates and closing costs that won’t blow your budget is essential when choosing a mortgage lender. In the following sub-sections, we’ll go over the benefits of securing low interest rates and affordable closing costs with River City Mortgage.

Interest Rates

River City Mortgage: Get the Rates!

Gettin’ a home loan from River City Mortgage? Know the interest rates they offer. Different packages mean different rates, depending on loan type, term, and amount borrowed. They’ve got competitive market rates for fixed and adjustable-rate mortgages.

Fixed-rate mortgages provide financial stability while adjustable-rate mortgages come with initial fixed interest periods that reduce monthly payment obligations. Decide which one’s the best fit for you!

Plus, River City Mortgage got a free online tool that compares loan features and fees from multiple lenders. Get better deals on most types of loans. claims River City Mortgage is one of 2021’s top-rated mortgage companies. Low interest rates and transparent costs structures too.

Closing Costs

Settlement Costs are the expenses involved during the final stages of a mortgage. These costs vary across different locations and can include fees such as loan application charges, underwriting fees, title search, appraisal fee, and attorney fee. This is usually 2%-5% of the mortgage value.

There may be additional factors that affect the costs, such as the type of property and the borrower’s credit score. It’s important to understand these costs to avoid surprises.

River City Mortgage’s team can provide a detailed breakdown of the closing costs. Get in touch with them to gain insights and ensure a smooth home-buying experience. Customers love River City Mortgage’s rates and fees! Don’t be surprised if they never want to leave their new home.

River City Mortgage Customer Reviews

To gain insight into River City Mortgage Customer Reviews, with a focus on Overall Satisfaction, Customer Service, Transparency, and Communication, this section examines the benefits of each sub-section.

Overall Satisfaction

River City Mortgage’s customers are thrilled with our services! They feel empowered by our solutions and satisfied in every interaction.

Our clients have expressed that we are committed to helping them accomplish their mortgage goals. They are pleased with the helpfulness and timeliness of our assistance throughout the application process.

We are transparent about rates and payments involved in mortgages, and many customers have left positive reviews on our user-centric approach.

The staff’s attentiveness in answering questions during the loan approval process is praised by clients. We are also known for being responsive, helpful, and professional at all stages of getting a mortgage.

Plus, customers consider us trustworthy. We often exceed expectations to guarantee satisfaction.

So visit River City Mortgage for a smooth experience when applying for or refinancing your mortgage!

Customer Service

River City Mortgage’s commitment to excellence is clear. Their customer-centered methodology contributes to high-quality service and support. They focus on communication – keeping clients informed during the entire process.

This customer-focused approach goes above and beyond responding promptly to inquiries. They anticipate client needs and address them. River City Mortgage values transparency, which builds trust with their customers.

They have unique solutions to meet every client’s specific mortgage needs. Streamlined refinancing, first-time homebuyers programs, and other tools help customers accomplish their homeownership dreams.

Reviews online show River City Mortgage’s collaborative effort pays off when dealing with unusual challenges. They take pride in helping clients reach their goals.

River City Mortgage’s commitment to exceptional customer service is evident. Transparency and communication are key – making sure you don’t get any unwanted surprises or financial advice.

Transparency and Communication

Customers love River City Mortgage’s communication and their transparency. From the start to the loan’s close, they keep customers up to date. This includes advice on mortgages that meet the customer’s needs.

Their communication channels stay open for feedback. This helps customers know more about their mortgages, payments, and other services. This builds trust between customers and River City Mortgage.

River City Mortgage is great at keeping clients informed. They communicate each step of the way so customers understand what’s happening. Plus, they make sure there are no hidden fees or surprises.

One customer was impressed with their home-buying experience, even during the pandemic. They got regular emails with updates.

River City Mortgage’s FAQs answer all the questions you have (and haven’t) asked about mortgages.

River City Mortgage FAQs

To get a better understanding of River City Mortgage, you may have some frequently asked questions. In order to address your queries, River City Mortgage FAQs with sub-sections of how long does the loan process take, what credit score is needed for a mortgage, and whether River City Mortgage offers government-backed loans will provide you clear and concise solutions.

How long does the loan process take?

The loan process duration depends on certain factors. The question “How long does the loan process take?” can be phrased as “Loan Processing Time”. Such factors include credit history, property appraisal, employment verification, and other legal matters.

Sometimes, the loan process may take up to 60 days or more, due to complexities or documentation delays. However, River City Mortgage aims to finish it within two weeks, assuming all required paperwork is submitted quickly.

Delaying on your part will cause longer processing times. So, it’s important to have everything ready and reply fast if any doubts arise during the assessment.

River City Mortgage values its customers’ time, trying to make mortgage lending smoother for each individual. So, it’s a great idea to work closely with them throughout the journey to homeownership. Don’t miss out on prospective opportunities; contact them today for a stress-free mortgage experience!

What credit score is needed for a mortgage?

River City Mortgage offers loan options that are too tempting for even the government to resist!

When applying for a mortgage loan, your credit score is key. The minimum score you need depends on the type of loan. For a conventional loan, you’ll need at least 620. If you don’t qualify for this, try an FHA loan – 580 is the minimum score for this option.

Lenders need to see good credit history to know you can make payments on time. Your score shows your past debt and payments.

Some lenders may also take other things into consideration such as employment history and debt-to-income ratio. A better score could get you lower interest rates and better loan terms.

Brenda wanted to buy her first home but had a low credit score. She learned how to build her credit history and gradually improved her score. Brenda knows how important it is to start early in order to secure future loans without any trouble.

Does River City Mortgage offer government-backed loans?

At River City Mortgage, we offer various loan programs. These are backed by government entities like the Federal Housing Administration (FHA) and the Department of Veterans Affairs (VA). These loans are designed to help those who don’t meet traditional lending requirements. Our pros can guide you and find the best option for you.

The FHA provides mortgage insurance, which lets lenders like us offer loans with lower down payments and more flexible credit requirements. VA loans are just for veterans and active-duty military members. They have special benefits like no down payment requirement. River City Mortgage is proud to serve those who have served our country.

It’s important to remember that government-backed loans have specific guidelines and regulations. Our team is ready to handle all of these types of loans. We can help you with any challenges.

We have a long history of helping borrowers get government-backed loans. We’ve worked with many individuals over the years. We have a reputation for providing exceptional service throughout the process. Whether you are a first-time homebuyer or a seasoned homeowner, River City Mortgage is here to make your homeownership dreams a reality.

Frequently Asked Questions

What is River City Mortgage?

River City Mortgage is a trusted mortgage lender that offers various loan options to help clients purchase their dream homes.

How are their rates and fees?

River City Mortgage has competitive rates and offers transparent fees to ensure clients are fully aware of all associated costs.

What do customers say about River City Mortgage?

Customers have given positive reviews regarding River City Mortgage’s exceptional customer service, knowledgeable staff, and efficient loan process.

What type of loans do they offer?

River City Mortgage offers a range of loan options, including conventional, FHA, VA, USDA, and jumbo loans, to fit clients’ unique financial situations.

What are their requirements for a loan application?

To apply for a loan with River City Mortgage, individuals need to provide documentation, including proof of income, assets, credit score, and employment history.

Do they offer refinancing options?

Yes, River City Mortgage offers refinancing options to help clients lower their monthly mortgage payments or shorten the term of their loan.

Jeremy Toronto

Jeremy Toronto

Jeremy has working in the mortgage industry since 2013. Really loves to research and give advice to new homeowers when it comes to one of your biggest purchases (your home!) As a property investor and having took the test NMLS has a unique insight into refinancing and getting a mortgage for new homeowners. When not working I like to hike, fish and collect insects (I know wierd right?).

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