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Mortgage center

Whether you are a first-time home buyer or an experienced homeowner, buying a house can be overwhelming, but it doesn’t have to be. Our team of home loan experts will help guide you through the process so you can become an informed homebuyer.

Enjoy low rates & closing costs, first-time buyer specialists, down payment and closing cost assistance, tax credit for eligible first-time buyers, local decision makers and service providers, and a commitment to closing on time!

Let us help you find the right mortgage for your financial needs.


Our Most Popular Home Loan Options

Loan Products


FHA Loans

FHA mortgage loans are often the best option for buyers with a low down payment or less than perfect credit. Requirements comply with Federal Housing Administration lending guidelines.


VA Loans

Typically the best option for eligible veterans or active-duty military, VA home loans require no down payment and offer flexible loan terms. VA loans are guaranteed by the U.S. Department of Veterans Affairs (VA).


Credit Builder

If you are looking for a home loan, but need to improve your credit, RiverHills Bank offers a solution. With the Credit Builder account, you can build or repair your credit with manageable monthly payments.


USDA Loans

USDA/Rural Development home loans are often the best option for eligible buyers. This is a no money down financing option — 100% of the purchase can be financed, often including closing costs.


Conventional Loans 

Conventional loans comply with guidelines established by Fannie Mae or Freddie Mac and may be available with as little as 3% down payment. These are often the best option for borrowers with a strong credit history.


Mortgage loan Originators

Meet our Home Loan Experts

At RiverHills Bank, we listen to your individual needs and are here to answer all of your home loan questions so you can feel confident about your financial decision. Our local home loan experts are here to guide you through the process. We offer a variety of home loan products with low mortgage rates and low closing costs. It doesn’t matter if you’re a first-time homebuyer or are refinancing, we offer loans that work for you.

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Melanie Gould

Assistant VP, Senior Loan Officer

NMLS# 78185

Patti Trapp

Senior Loan Officer

NMLS# 1119427

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Mike Peters

Senior Loan Officer

NMLS# 718222

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Sharon Wilson

Loan Officer

NMLS# 1425217

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Tim Bollin

Senior Loan Officer

NMLS# 718189

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Tanner Stacey

Loan Officer

NMLS# 1582650

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Daniel Kuntz

Senior Loan Officer

NMLS# 271250


Zach Hubbard

Loan Officer

NMLS# 1870977

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Dan Hickman

Senior VP, Lending Manager

NMLS# 166404


Have Questions Now?

Get Connected

Fill out this short form to be contacted by a RiverHills Bank Mortgage Specialist immediately.


Mortgage Document


Providing the following information will enable us to expedite your mortgage loan request.

This may be more than enough information but is requested in order to minimize follow up. If you have any questions regarding the information requested, please ask.

  • Pay stubs from the most recent 30 days (most recent LES if military)

  • All W2s and/or 1099s from most recent 2 years

  • Signed copies of complete, Federal tax returns with all schedules from most recent 2 years

  • Signed Year-to-Date Profit & Loss Statement, through at least most recent Quarter if self-employed

  • Award letter if receiving Social Security, Retirement or Disability income

  • Bank statements from most recent 2 months (all pages)

  • Investment and/or Retirement statements from most recent Quarter, if applicable (all pages)

  • Address, estimated value and property tax information on all real estate owned

  • Most recent mortgage statement and insurance declarations page on all real estate owned

  • All current leases for all rental property owned

  • Insurance agent’s name and phone number (and copy of Declaration Page if refinancing)

  • Copy of complete Bankruptcy and Discharge papers, if applicable

  • Copy of divorce decree and/or court order for child support received, if applicable (if including)

  • Copy of complete Purchase Agreement, all addendums and Property Disclosure, if a purchase

  • Copy of canceled earnest money check, front and back, if applicable

  • Name and phone number and/or email of your real estate agent, if applicable

  • If refinancing, copy of Closing Statement from closing on current loan

  • If VA, Copy of DD214 or orders

  • Copy of Driver’s License or State or Military ID

What our customers are saying about us


I worked with RiverHills for my initial home purchase and recently for a refinance. Everyone I’ve dealt with has been friendly and professional. I love working with a local bank where people recognize you when you walk in. Highly recommended for any banking needs!
— Evan F. - Milford, OH
First-time home buyer. Tanner and Janet were on top of their game. They kept us informed every step of the way and Tanner was just a text away, no matter how late it was. We closed on our house in less than 30 days. In fact, I am sending this review while sitting on our new front porch. I can’t thank Tanner and Janet enough. Highly recommend
— Joseph and Caitlin M. - Williamsburg, OH
Patti, I sincerely appreciate all of your hard work and assistance over the last few months while we were looking for and purchasing our new home. It was an absolute pleasure to work with you — you are amazing at what you do. Great to hear we can reach out to someone who is familiar with the area, it means a lot to us!
— Mike H. - Cincinnati Area