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Feel at home with your loan

We’ll help you get a personalized loan that meets your needs, whether you’re purchasing or refinancing.

We value getting to know you. Schedule an in-person, or phone appointment. Call us at (800) 343-7315

Learning Center

Our experienced team provides the answers you need for your home loan, from programs and tools, to trends and finances.

Why River City Mortgage?

Life is complex. But your home can be simple and affordable. We’ll lend a hand when you need to purchase or refinance that home.
Learn more

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GUIDED BY EXPERIENCE

Our loan officers apply their financial expertise to provide you with clear and simple options.
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PERSONAL TOUCH

We sit down with you to outline the benefits of financing your home, giving you confidence in your next move.
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SIMPLE PROCESSING

We handle the research and processing under one roof, taking on the work so that you don’t have to.
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DIRECT LENDING

You get more options working with a direct lender who has access to the best refinance and purchase programs.

Get Started

Receive a quote to learn more about low rates and affordable loan options available to you. Questions? Call us at (800) 343-7315.

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What Customers Are Saying

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Diana was amazing!

Simply put, Diana was amazing! From our very first phone conversation all the way through to the end, refinancing my home was a breeze. I was originally financed through Wells Fargo since 2008, so I called them to see if they could give the same rate that River City Mortgage is giving me and they straight up said “No”. So, after a 12 years relationship I said bye to them. If you’re leary of doing business over the internet like I was, please don’t be when it comes to doing business with River City Mortgage. They’re simply amazing! Diana broke everything down and showed me how I was saving money and she was 100% correct. Thank you Diana and thank you River City Mortgage!! What a great way to start 2021!!

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Vinnie Anderson
Chino Hills
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Amazing job

Travis Erb with river city mortgages did an amazing job with refinancing our home. Will definitely be recommending him and using him again. Thanks again for the great work and helping us save a bunch on our mortgage and monthly payments.

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Andrew Truswell
Chino Hills
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River City was a great help

River city was a great help. They helped me lower my mortgage payment by $700 and they we professional and easy to work with. I didn’t feel like I had to jump a lot of hoops to get my deal done. Raymond Kirschner was great every step of the way. He kept me informed and pushed everything through efficiently. I highly recommend using this company for your mortgage and refinance needs. Thank you guys so much!!!
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Vinnie Lopez
Chino Hills
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Pleased with the process

Just finished closing on our home refi and couldn’t have been more pleased with the process.   Ralph Pacheco walked me thru the process and provided assistance and guidance for obtaining out of state documents, etc.  Would definitely recommend River City to anyone in need of mortgage financing.  Thanks Ralph!

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Dale Taylor
Chino Hills
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Wonderful Experience

Using River City Mortgage was a wonderful experience. Ralph was referred to me by my brother, as he has helped him in the past as well. He was very professional, and quick to respond. I was able to lower my mortgage by doing a refinance after discussing all of my options. Closed quickly, and easily.

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Tanya Aldrich
Chino Hills
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Huge breath of fresh air!

I’ve worked with several mortgage companies (some so onerous in their underwriting that I withdrew my application).  River City Mortgage was a huge breath of fresh air. My loan officer, Ralph Pacheco, clearly understood what I wanted and what I didn’t want. He guided me skillfully through the process and asked only for those items sufficient for loan payoff acceptance.  Process was clear and prompt, with successful closing in less than 30 days.

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John H
Chino Hills
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Josh was exceptional

I wanted to call out Josh Pollitt as an exceptional individual! We were in the process with another company when I got the call. I agreed to hear them out… I’m glad we did because Josh is the man! He was knowledgeable and had amazing follow up. He was always available to take my calls or questions. His customer service was absolutely 5 star. He even called 5 days before closing to make us aware that rates had dropped knowing that he would need to do more paperwork. You don’t really see that level of commitment to your customer anymore. You can tell that he always puts his customers first and in doing so with me, he created a customer for life. I’ve referred him to several others and he always takes care of business. Thanks Josh.

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Ben Bachman
Cincinnati
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Brilliant Service

Brilliant service from start to finish. Dan personally took our refinance and gave us the best rate on the market. Dan took the time to explain and answer all of our questions. Thank you for your help throughout the process!

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Yohannes Ebba
Cincinnati
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Diligent and very helpful!

Heather is incredibly hard-working, flexible and responsive! We were in a time-crunch to close on our property (much shorter than the typical 30-60 days) and she worked tirelessly to close on time! She was very responsive and helpful, stayed in touch throughout the entire process and was always willing to provide feedback and advice.

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Ross Metz
Cincinnati
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THE ULTIMATE LOAN EXPERT

We contacted Travis through Zillow and it was the best choice we made. He worked for us for months on ways to help us purchase a home and was never ever too busy to get back to us. We never felt that we were just another client to him; the effort he put into us and our home was absolutely amazing. He knows what he is doing and is the right person to go to when dealing with any kind of home purchase!

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lar12512
Jacksonville
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Call Pamela FIRST !!

I had the pleasure of working with Pamela Davis of Carrington Mortgage when I refinanced my home a few months ago. Not only is Pamela very knowledgeable regarding mortgages, she will hold your hand and make sure she does everything possible to get your loan approved and processed. Her follow up is flawless and her attention to your every need is impeccable. I will call Pamela first with any of my future mortgage needs.

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netadmin JP
Hunt Valley
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Marine Corps Vet

Travis was Great Even with all that is going on in today’s times Travis is still able to pull it off I highly recommend Travis I am a Marine Corps veteran and used a VA loan process and Travis knew all about it And was able to help me process all the appropriate paperwork to use The VA thank you Travis for getting me in my beautiful home.

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mrmontes559
Jacksonville
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Leslie Knox provided EXCELLENT service

Leslie Knox provided excellent, efficient, and compassionate service. You can NOT ask for a better person to work with. She was always quick to respond to my questions. She processed everything so efficiently that the whole process was over before I knew it. And on top of all that, she’s an incredibly kind person to work with.

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jacolo
Hunt Valley
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Out 1st Home

They worked nonstop to help me and my fiance buy our 1st home in Florida thank you so much Tommy

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Robert Barnett
Cincinnati
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Fantastic!

Heather took care Great of us through the entire process! If you’re looking for a home loan she will get you the best! We Highly recommend her!!!!!

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James Sutton
Cincinnati