Fixed Rate
A fixed-rate mortgage allows you to know your exact rate and monthly payment throughout the entire loan term. We offer fixed rate mortgages with 10, 15, 20, or 30 year terms. View Rates.

Adjustable Rate Mortgage (ARM)
ARMs allow you to start with a lower rate than fixed-rate loans, but the rate can adjust up or down periodically. Rivermark ARMs start with introductory terms of 5, 7 or 10 years. View Rates.

Jumbo
Jumbo loans are available for when your dream home requires a loan amount exceeding $726,200. Available as an adjustable rate mortgage. View Rates.

First Time Buyer
We offer special options for first time buyers to help make home ownership a reality. Down payments as low as 3% to purchase a new home. View Rates.

Home Equity
Borrow a predetermined amount to use as you wish using the equity in your home. The loan is repaid on a fixed, monthly schedule. View Rates.

Home Equity Line of Credit (HELOC)
A HELOC is a revolving line of credit that gives you access to cash when you need it. Instead of borrowing a set amount all at once, you have flexibility to borrow as you go. View Rates.

Am I limited to purchasing a single-family home with a Jumbo Mortgage?

In addition to single-family homes, a jumbo loan may also allow borrowers to buy second homes and personal investment properties.

What is the minimum down payment required for a Jumbo loan?

The minimum down payment will depend on your credit score and other factors. 95% Jumbo financing is popular for home buyers that have a credit score over 700. However, borrowers that have lower credit scores or are financing property types other than primary residences will likely be required to have a higher down payment.

What kind of savings do I need to have in order to get approved?

It really depends on your loan amount. For loan amounts under $1,000,000 you should plan on at least 3-4 months of mortgage payment reserves after your down payment is made. For higher loan amounts you may be required to have 12 months payment reserves. Non-liquid retirement accounts like 401K, IRA do satisfy this request.