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2026-05-23 08:18:00
Young couple standing outside their newly purchased home admiring it.

Home Purchase

We'll Get You Home

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Mortgage Purchase

Helping you into your dream home is one of the ways we’re here to be your trusted financial partner. You can count on Rivermark for honest advice, convenient servicing, and competitive rates. 
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Get Pre-Approved

For faster service, start your application online. A Rivermark mortgage professional can get you pre-approved quickly.  A pre-approval shows realtors that you are a serious buyer and can help speed up the transaction when you’re ready to buy.

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Home Purchase Options

Traditional Fixed Rate

Lock in your rate and keep your payment predictable over the life of your loan. Fixed-rate mortgages are a great fit if you plan to stay in your home long-term or simply prefer consistency in your monthly budget.

Highlights:

  • Fixed interest rate for the life of the loan

  • Consistent monthly principal and interest payments

  • Available in a variety of term options

  • Great for long-term homeowners

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Adjustable Rate (ARM)

If you’re planning a shorter stay or want to maximize your purchasing power, an ARM may offer a lower initial rate and payment compared to a fixed-rate loan.

Highlights:

  • Often lower initial interest rates compared to fixed-rate loans

  • Fixed-rate period (5, 7, or 10 years) before adjustment

  • No monthly mortgage insurance required - even above 80% LTV

  • Ideal for buyers who expect to move, refinance, or increase income

     

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First-Time Homebuyer Options

Buying your first home can feel overwhelming - we’re here to make it easier. Our first-time buyer options are designed to lower the barrier to homeownership with flexible financing and guidance every step of the way.

Highlights:

  • Low or no down payment options available

  • Access to grant programs and down payment assistance

  • Flexible qualification options

  • Dedicated support to guide you through the process

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Second & Investment Properties

Whether you're purchasing a vacation home or expanding your real estate portfolio, we offer financing options tailored to your goals.

Highlights:

  • Options for second homes and investment properties

  • Competitive rates

  • Flexible property types

  • Local lending expertise to support your investment strategy

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Meet the Mortgage Team

Meet Rivermark's Mortgage Loan Officers — dedicated experts committed to personalized service, guiding you every step of the way toward your perfect home. Connect with our friendly team today!
Meet the Team

Frequently Asked Questions

  • 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.

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

  • Rivermark lends on properties located in Oregon and Washington.

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Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website: www.consumerfinance.gov/hmda.

*APR = Annual Percentage Rate

NMLS# 405464