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Home Refinancing

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Mortgage Refinance

Lower your monthly payment, tap into your home's equity or even change the loan terms, by refinancing your mortgage with Rivermark. 

A home loan refinance can help you:

  • Lower your monthly payments
  • Repay your mortgage faster
  • Eliminate Private Mortgage Insurance
  • Free up cash for other expenses, such as home improvement projects
  • Use cash-out refinancing to pay off higher interest debts
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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!

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Mortgage Options

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Traditional 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.
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Adjustable Rate (ARM)

Rivermark ARM loans feature low fixed rates for the first 5, 7, or 10 years of your mortgage, which can help you save more during your early years of home ownership. After this initial fixed-rate period, your rate can potentially increase up to a set cap each year (until reaching a maximum rate for the life of the loan).
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First Time Buyers

Rivermark makes buying your first home a reality with 100% financing. Our 100% First-Time Buyer Loan offers no down payment, no mortgage insurance, competitive rates, and low fees. We can help you become a homeowner faster than you thought possible!
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  • Before you begin the mortgage application, please have the following information handy to make the process as quick and easy as possible.

    Commonly Requested Items

    • Pay stubs for the last 30 days.
    • W-2 forms for the last two years.
    • Most recent statements for asset accounts, such as bank accounts and mutual funds. Please provide pages, including blanks. Screen-shots are not accepted.
    • Current mortgage(s) statement for all real estate owned.
    • Declaration page of your homeowners insurance policy for each property you own.
    • Name & phone of your insurance agent.

    Self Employed and/or Rental Income

    • Last two years of federal tax returns with all schedules.
    • K-1s for all partnerships and S Corporations.
    • Last two years of partnership or corporation tax returns with 25% or more ownership.

    Retirement or Disability Income

    • Current award letter from social security pension. OR
    • Two months of bank statements showing deposit of funds.

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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).

NMLS# 401937