there’s never been a better time to buy
get your dream home
Take the stress out of buying. Our home loan experts listen to your needs and answer your questions. We’ll work with your price range so you can shop with confidence.
Why choose RiverHills Bank?
Historically low rates
First-time buyer specialists
Down payment and closing cost assistance for eligible buyers
Local Mortgage Specialists on call to help streamline your experience
We’re committed to processing quickly and closing on time
the rhb difference
HOME LOAN hang-ups
At RiverHills Bank, we provide solutions to solve every hurdle throughout the home loan process.
Gone are the days where a 20% down payment is required. At RiverHills Bank, we specialize in helping our borrowers find down payment assistance programs that work with their loan. Most of our borrowers have a down payment of 3% or less. Your down payment can also be from your own funds, a gift from family, or any combination.
Ideally, lenders prefer a debt-to-income ratio lower than 36%, but many factors can affect your DTI. We look past the raw numbers and work with borrowers to get a complete understanding of their finances. We will never sell you more house than you can afford, and we will always treat you like a person, not a number.
Your credit does not have to be perfect to be approved. In some cases, we have approved borrowers with scores as low as 500. If you need help building or improving your credit, our Credit Builder Program can help you get where you need to be.
How we process your home loan is 100% up to you. We have the ability to complete the entire process online, so that the only day you need to come into the office is on your closing day. We also have experienced staff who are available and would be happy guide you though the process. Or maybe you’d prefer a little of both? We cater the process to you.
READY TO GET STARTED?
GET PRE-APPROVED TODAY
Get pre-approved to find your price range and shop with confidence.
Our home loan experts are specialists with a variety programs for experienced and first-time buyers. We’re available locally when you need us and you’ll be supported by the latest technology.