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First Time Home Buyer

Couple and HouseNow is a great time to apply for your first home loan! For a limited time, our flat origination fees are just $799! 

We want to help make your home ownership dreams come true which is why we have special options available for first-time buyers. 

  • Put as little as 3%* down. 
  • Trusted mortgage officers are happy to answer questions and provide advice on the process  
  • Local servicing means you'll always make your payment to us
  • Get preapproval before looking for your home
  • Available on most loan types
Apply Online Get a Quote

Ready to Get Started?

Be sure to check out our Frequently Asked Questions and download the Mortgage Checklist to plan for every step in the process of funding your mortgage!

You can trust us for straightforward and honest advice. Apply online or call us at 503.626.6600 or 800.452.8502 Ext. 497.

Today's Mortgage Rates

10 Year Fixed Rate As low as 3.61% APR arrow pointing to the right
15 Year Fixed Rate As low as 3.70% APR arrow pointing to the right
30 Year Fixed Rate As low as 4.96% APR arrow pointing to the right

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*Available for purchase with a maximum 97% LTV. Down payment must be verified member funds. Escrow account for taxes and insurance required. No manufactured housing or condos. $417,000 maximum loan amount.  Other rates and terms may be available. Additional fees may apply, such as full appraisal or title change costs. Credit approval required.

*$799 flat origination fee available on applications submitted by 12/31/18. All loan applications are subject to credit and property approval. All loan applications are subject to credit and property approval. Annual Percentage Rate (APR) effective 5/1/2018 and is based on a 10-year term at 3.61% APR and sample monthly payment of $1,582.17 are based upon a single family, owner occupied residence, refinance (no cash-out) or purchase transaction with a loan amount of $160,000, 70% Loan-to-Value, $799 origination fee and standard 3rd party charges (e.g. appraisal and title). Assumes no other loans or liens on subject property. Actual APRs for individual loans may differ due to market conditions, individual circumstances such as credit qualifications, increased loan to value, loan purpose, occupancy type, and property type. Maximum APR is 7.50%. Sample monthly payment listed above does not include taxes and insurance premiums. Property and/or flood hazard insurance may be required. Actual payment obligation will be greater. Maximum loan limits may apply.

Rivermark Asks - Financial Advice We asked members what financial advice they would give their younger self.

Helpful Information

Buying Your First Home   Buying Your First Home

Ready to Buy   Are you Ready to Buy?

Ask the Mortgage Expert   Mortgage FAQs

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800.452.8502, ext. 497
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