We make it easy to get the financing you need.

Purchasing a home is one of the largest financial decisions you’ll make, and our Mortgage Loan Officers are here to help you along every step of the way. Below is a high-level overview of the process:

Step 1: Get Pre-Approved

• Submit your home loan application online or in a branch.
• Rivermark may request supporting documentation, like pay stubs.
• Your Mortgage Loan Officer will contact you with the amount for which you’ve been pre-approved.

Step 2: Shop for Your Home

• You can shop with confidence knowing you’ve been pre-approved for a price range that is right for you.
• When you find the right home and have negotiated the sales price, you send the signed agreement to your Mortgage Loan Officer to start the process.
• You can lock in your interest rate now that you know the loan amount, term and date of closing.
• The loan documentation and authorizations are completed, and your Mortgage Loan Officer will order the appraisal.
• Appraisals may take 2-3 weeks to be completed. While you wait, your loan application is submitted to underwriting.

Step 3: Final Approval and Closing

• Once the appraisal is completed, your loan is ready for final approval by Rivermark.
• A copy of the appraisal will be sent to you via email or mail.
• Rivermark will send out the final Closing Disclosure for you to review.
• The closing documents are then sent to the Escrow officer to arrange the appointment.
• On the date of your signing you will sign all of the documents at the title company and deliver the final amount due for closing.
• Normally within 24 hours (next day) the loan is funded by Rivermark, the deed is recorded and you are now the owner of a new home and the keys are yours.

Click here for a printable checklist.

How do I get pre-approved for a home loan?

Start with a call to one of our Mortgage Team members. They will help you select the product that’s right for you and get you started with the pre-approval process. If you prefer, you may apply online and a Mortgage Loan Officer will reach out to you directly. Upon approval, you will receive a pre-approval letter.

How long does the pre-approval process take? 

In most cases, we’re able to provide a pre-approval letter to you within 24-48 hours.

Where must my property be located to be eligible for a Rivermark home loan?

Rivermark is licensed to provide mortgages on properties in Oregon, Washington and Idaho.

Click here for our full list of frequently asked home loan questions