Home Loans

Whether building, remodeling, or using your equity for something else, we have a loan that is perfectly suited for you. Come in and speak with our lenders to start your application today. 

Mortgages

We make it easy for you to purchase or refinance your home with the right home loan to meet the challenges of today's economic environment. Our Mortgage Center makes applying easy and provides the resources and tools you need!

  • Competitive rates for purchasing or refinancing your homeHouse
  • Fixed rate mortgages with terms up to 30 years
  • Escrow available
  • Wheda Programs
  • Bridge loans
  • Lot loans

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Home Equity Lines of Credit

A home equity loan is an affordable loan using the equity in your home. This type of loan may be just the loan you need to remodel or repair your home, payoff credit cards or consolidate any other debts. A Home Equity Line of Credit (HELOC) is similar to a second mortgage but provides flexibility by allowing you to draw the funds when you need the money.

  • Access your money by writing checks, in person, or by online banking
  • Revolving (borrow, pay back and borrow again)
  • Variable rate based upon the Prime Rate
  • Borrow up to 80% of the appraisal value (including first mortgage balance)

Construction Loans

Nail down your construction financing and build the home of your dreams with River Bank. Construction loans are short term, interest only loans with terms up to 11 months.

  • Interest rate is 1.99% with an *APR of 3.46%

*The 1.99% rate and corresponding 3.46% APR (annual percentage rate) is available for owner occupied construction loans only. The APR is based on an 11 month loan in the amount of $200,000, with monthly interest payments and prepaid finance charges of $1,313. Subject to credit approval. Equal Housing Lender. 

Looking for Additional Information?

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