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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) 631-6447

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) 631-6447.

or call us at (800) 631-6447

What Customers Are Saying

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Very grateful!

We had a great experience with our refinance.  Lianne Seale did a phenomenal job of working with us, communicating and answering all our questions.  Very grateful for the experience.

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Keith W.
Cincinnati
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Easy, quick, and cost-saving

Andrew has gone out of his way to make this an easy, quick and cost saving event.  I was communicating with him on a weekend and even late at night when getting the paperwork signed and you would never know it was not during business hours.  Everything worked so flawlessly even the coordination of getting the house appraised and the documents signed were literally just me showing up, I didn’t have to do anything complicated.  The electronic signature of the start of the process made it very simple for me to start the process as well.

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Jason C.
Jacksonville
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My new home

Thank you all at River City Mortgage for assisting me with the purchase of my new home.  I couldn’t have done it without all of you!

I am ever so grateful for Maria Papallo, she is extremely great at what she does and truly had my best interest in mind.  This is the second time I have had the good fortune to work with her, she refinanced my former residence very painlessly, saving me money.  It is because of Maria’s vast knowledge and people skills that I decided to return to River City to procure my mortgage. This whole process was very easy and stress free. I didn’t have to jump through hoops and send thousands of documents back and forth.

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Mary Anne R.
Springfield
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My go-to for our personal lending

As a Realtor managing my own business for the past 12 years, I am very careful in the selection of other professionals I choose to partner with. I want my clients to work with an expert at their business, someone who returns phone calls and texts regardless of whether it’s “after-hours or weekends.

These attributes and many more are all demonstrated by Diane Cueva of River City Mortgage. She is a lender that knows her business so well that she anticipates what the underwriter will need, then gathers and positions the file accordingly. Diane also has an extremely responsive and supportive team! This includes the owner and President of the business, Nick Hunter, who is attentive and accessible to her anytime that it’s needed. He personally helps with every individual purchase that requires it, which makes the process so smooth and easy.

My clients have consistently benefitted from their relationship with Diane and continue to go back to her for refinancing and additional home purchases! Diane is my go-to for our personal lending needs! She ROCKS!

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Tracey Kirk-Johnson / Keller Williams
Chino Hills
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Incredible

My experience with Diana Cueva with River City Mortgage was incredible. I was the real estate agent in the transaction representating the buyer that Diane supported with their loan. This buyer switched to Diane three weeks prior to closing. She was thorough, supportive, diligent, and communicated with all parties several times to ensure everything went smooth. At the closing table, the closing processor looked at me and asked if I had worked with Diane before because she was so impressed with how her correspondence had been as well. I have even personally chosen to refinance with Diane because of my experience. I would recommend her to all of my clients.

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Lori C.
Chino Hills
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Beyond what was required

I wanted take a minute to tell the RC team, that I had a very positive experience with our refinance process.
It was the first time I have ever went thru the whole loan process without meeting with someone face to face before signing the closing documents, it wasn’t even an individual involved at all in the process!

I want to recognize Michael Spillane, who was my contact from start to finish.  He went way beyond what was required to help make sure I was clear and comfortable with all stages of the process.  He was very open and responsive to all of my questions and concerns. He took my calls at all times of the day or evening, even when he had family issues to take care of!  His final action to try to make me satisfied and happy, happened after the closing was complete. This is the part I really appreciate from Michael & the management of RC.  Receiving a check for $100, This week for a couple of items in the closing that was different than what we had discussed before the closing!  That showed me that I had dealt with a very dedicated person and a company that is committed to making customers satisfied!

I feel I not only gained a better loan rate, but gained a person I feel I can contact in the future who will be there to help in any way he can! Thank you for a very positive refinance from start to even after the closing!

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Don A.
Cincinnati
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Easy, efficient, knowledgeable and deliver fast!

Best mortgage company ever! Helped us many times! Easy, efficient, knowledgeable and deliver fast! We were able to close in our home..no going to them, they come to you!

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Candace Ogden
Cincinnati
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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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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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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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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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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
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Best Mortgage Advisor!

Heather helped my daughter purchase her first home. She was a pleasure to deal with! Heather is an outstanding professional; her diligence and reliability insured a smooth loan application and closing process. Highly recommended!

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Martine Coue
Cincinnati