Welcome Home

Whether you are a first-time home buyer or a current homeowner, our local home loan experts will assist you from start to finish with the home loan process. You may proceed on-line and/or connect with your dedicated loan officer via phone or meet in-person. We’ll make the process easy, keep you informed and get your loan closed on time.

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

 
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Conventional Loans 

Conventional loans are often the best option for borrowers with excellent credit.


  • A Conventional conforming loan conforms to Fannie Mae or Freddie Mac guidelines.

  • Conventional loans are available with as little as 3% down for eligible buyers.

  • A Conventional loan with less than 20% down-payment or 20% equity will require PMI.

  • Down-payment may be from the buyer’s own funds, down-payment assistance program when purchasing a primary residence.

  • Conventional loans are also available to purchase or refinance second homes or one- to four-unit investment/rental properties.


  • A Conventional conforming loan conforms to Fannie Mae or Freddie Mac guidelines.

  • Conventional loans are available with as little as 3% down for eligible buyers.

  • A Conventional loan with less than 20% down-payment or 20% equity will require PMI. 

  • Down-payment may be from the buyer’s own funds, Gift and/or from a down-payment assistance program when purchasing a primary residence.

  • Conventional loans are also available to purchase or refinance second homes or one- to four-unit investment/rental properties.


 
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FHA Loans

FHA loans are often the best option for borrowers with less than perfect credit.


  • FHA loans meet FHA lending guidelines and are insured by the Federal Housing Administration.

  • FHA loans are available to purchase a primary residence with as little as 3.5% down and buyers are not required to be first-time buyers.

  • Down-payment may be from the buyer’s own funds, Gift and/or from a down-payment assistance program when purchasing a primary residence.

  • FHA loans are available to purchase or refinance a primary residence or to refinance an existing FHA loan on a property that is now an investment/rental property.


  • FHA loans meet FHA lending guidelines and are insured by the Federal Housing Administration.

  • FHA loans are available to purchase a primary residence with as little as 3.5% down and buyers are not required to be first-time buyers.

  • Down-payment may be from the buyer’s own funds, Gift and/or from a down-payment assistance program when purchasing a primary residence.

  • FHA loans are available to purchase or refinance a primary residence or to refinance an existing FHA loan on a property that is now an investment/rental property.


 
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VA Loans

VA loans are often the best option for eligible veterans or active-duty military.


  • VA loans meet VA lending guidelines and are backed by the U.S. Department of Veterans Affairs

  • VA loans are available to eligible active-duty service members, veterans and surviving spouses of veterans who passed as a result of a service-related injury.

  • An eligible VA borrower may use their VA home loan benefit more than once to buy or refinance their primary residence.

  • VA loans require no down payment and there is no monthly mortgage insurance, but a one-time Funding Fee is paid to the VA and this is typically financed.

  • VA loans are available to purchase or refinance a primary residence.


 
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USDA Loans

USDA/Rural Development home loans are often the best option for eligible buyers in rural areas.


  • USDA loans meet USDA / Rural Housing lending guidelines and are guaranteed by USDA.

  • USDA loans require no down payment and the guarantee fee is typically less expensive than mortgage insurance on a comparable conventional loan.

  • USDA home loans are available to eligible borrowers in eligible areas to purchase a primary residence.

  • The USDA loan is often the best option for a borrower and property eligible for a USDA.


 
 

More Offerings

We also offer a variety of other loan types including Jumbo Loans, Portfolio Loans, Land and Farm Loans, and Non-Agency Loans.


 
 

Mortgage loan Originators

Meet our Home Loan Experts

At RiverHills Bank, we listen and identify your individual needs. We are here to answer your home loan questions and keep you informed during the process. It doesn’t matter if you’re a first-time homebuyer, a move-up buyer, empty-nester or are refinancing, we’ll work with you to provide the best loan for you.

 
 
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Melanie Gould

Assistant VP, Senior Loan Officer

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Sharon Wilson

Loan Officer

Patti Trapp

Senior Loan Officer

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Tim Bollin

Senior Loan Officer

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Daniel Kuntz

Senior Loan Officer

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Mike Peters

Senior Loan Officer

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Dan Hickman

Senior VP, Lending Manager

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Shannon Riffle

Loan Officer

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Tanner Stacey

Loan Officer

 

Mortgage Document

Checklist

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

Testimonials

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
 

 Glossary

3% Down Payment: First-time buyers, low- to moderate-income buyers, or buyers in low-income communities may be eligible to purchase with only 3% down payment. 

Conventional Loans: These loans are commonly referred to simply as conventional loans although any loan not backed by the government is a conventional loan, but conventional loans typically conform to Fannie or Freddie guidelines.

Down-Payment Assistance Programs: Down-payment assistance programs are often available for eligible buyers. Borrower income limits and sales price limits may apply. 

Eligible: There is a household income limit depending on family size and geographic restriction for eligibility for a USDA home loan.

Fannie Mae & Freddie Mac: Fannie Mae, the Federal National Mortgage Association and Freddie Mac, the Federal Home Loan Mortgage Corporation, are publicly traded government-sponsored enterprises (GSEs). They buy mortgage loans originated by lenders, securitize, pool and sell them to investors in the open market as mortgage-backed securities. Fannie Mae and Freddie Mac have a maximum loan amount and a conventional loan with a loan amount exceeding the maximum is a non-conforming conventional loan commonly referred to as a Jumbo loan.

Funding Fee: The one-time Funding Fee is determined by the veteran borrower’s down payment and whether first-time use or subsequent use of the home loan benefit. Most borrowers receiving VA disability are exempt from the Funding Fee.

Gift: Gift funds may be permitted from a family member or other acceptable source(s). 

Guaranteed: There is no PMI on a USDA loan but a Guarantee fee paid to USDA. An up-front Guarantee Fee is required and this is typically financed. A monthly fee, typically less than PMI, is included in the monthly house payment.

Insured: The Mortgage Insurance Premium (MIP) is paid via an Up-Front Mortgage Insurance Premium (UFMIP) which may be and is typically financed within the loan itself, and a monthly payment of mortgage insurance which is included in the borrower’s monthly house payment. 

PMI: Private Mortgage Insurance is provided by a private mortgage insurance company, not a government agency, and allows buyers to buy without saving for a 20% down payment. PMI may usually be dropped once 20% equity is reached. Government loans typically require their forms of insurance, such as FHA’s Mortgage Insurance Premium, VA’s Funding fee or USDA’s Guarantee fee.