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
About Us
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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.
Conventional Purchase
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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.
Conventional Refinance
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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.
FHA Loan
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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.
FHA Streamline
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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.
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