Home Center

Unlimited Opportunities

Looking to buy or refinance your home? Then look no further than Rivermark to satisfy all your needs. Not only do we offer you a wide variety of attractive loan options and low rates, you'll also get expert guidance to help you make sense of it all and choose the best option. With Rivermark, everything you need is under one roof. All with the same great service, convenience and savings you're used to from us. And all just a click, call or visit away.

Loans: a complete selection for your every need

We've put together an extensive selection of fixed and variable rate loans to meet your specific needs. Whether you're a first-time buyer, moving to your next home, refinancing, or buying additional property, Rivermark has the right loan for you.

• First-time home buyers - One of our specialties. Call us for a consultation. We'll show you your best loan options.
• ARM (Adjustable Rate Mortgage) loan - We offer loans at excellent rates fixed for three or five years. Borrow up to 95% of the purchase price or appraised value (whichever is less). On a refinance, borrow up to 90% of the appraised value. There are no points or upfront loan fees, you pay only the closing costs.
• Conventional loan - Choose a conventional 15 or 30 year fixed rate mortgage loan.
• Zero percent down loan - This loan is perfect for borrowers that do not have money saved for a down payment, but have excellent credit (good for new purchases only, not refinancing). Your rate is fixed for five years and will then adjust annually. Closing costs will be approximately 3% of the loan amount and can be paid by the seller or a gift from a family member. Private mortgage insurance is required, and as a credit union, we can provide you lower private mortgage insurance rates than other lenders.
• Land loan - the loan that lets you purchase the land you've always wanted. Borrow up to 80% of the purchase price or appraised value (whichever is less) and fix today's rate for five years, with rates adjusted annually from then on.
• Floating Home loan - Yes, we finance floating homes! Borrow up to 80% of the purchase price or appraised value (whichever is less) and fix today's rate for five years, with rates adjusted annually from then on.
• Rental Property - Want to invest in rental property? No problem, we can help. Borrow up to 75% of the purchase price or appraised value (whichever is less) and fix today's rate for three years, with rates adjusted annually from then on.
• Refinance - lower your monthly payment. Refinance with a low-rate Rivermark loan. Ask a Rivermark real estate expert to help you put together the best loan today.

Save up to $1000!

Buying a house is an expensive process. That's why Rivermark has joined with professional real estate providers to create a special money-saving program. This program is designed to save you up to $1000 in closing costs on a first mortgage loan.

To receive the full savings, you must use all of the service providers previously approved by the credit union. Here is a list of the professionals that can help you receive maximum savings:

	Home Center
Service Provided You will save Company / Contact Realtor Rebate up to $700 Kimberly Falisec, Century 21 Wright-Christie (503) 533-4994 ext. 2223; cell (503) 318-2165 Rivermark Rebate up to $200 Ask for the Mortgage Team (503) 626-6600 or 1-800-452-8502 Appraisal Rebate up to $35 Norwest Appraisal and Inspection Service (503) 663-7467 Home Inspection Fee up to $35 Norwest Appraisal and Inspection Service Title and Escrow Savings up to $30 Chicago Title Insurance Co. (503) 794-5860

Program participation is voluntary when applying for a mortgage loan and will not affect loan approval in any way.