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At RVR Bank, we know that decisions about purchasing a home, refinancing, or borrowing against the equity in your home should be considered carefully.

We offer a wide range of mortgage loan products to meet our customers’ needs from the First Time Homebuyer to building your dream home. Maybe you are looking to refinance to a better rate or term. Our lenders are here to answer your questions about home ownership because we want you to feel confident about the decisions you make.

See us today for a Free Loan Pre-qualification. Contact us today.

Conventional Fixed-Rate Mortgages

Offering qualified buyers options as low as 3% down!

Mortgage insurance will be required on Conventional Loans without 20% down payment. We can deliver financing options that will allow you to benefit from flexible terms and competitive rates.

Construction Loan

Perhaps you haven’t been able to find that perfect home and your solution is to start from scratch.

We can build a Construction Loan specifically for you. As with all of our mortgage products, we offer competitive rates and flexible terms.

Bridge Loan

Thinking of buying or building a bigger home?

With enough equity in your present home, the Bridge Loan allows you to use that equity as your down payment towards the purchase of your new home.


Looking for a lower interest rate? Need to use the equity in your home for a major expense? Want to shorten the length of your loan and build equity faster?

Home Equity Loan

The equity that you’ve built in your home is often an overlooked asset.

You can use this equity to borrow money for virtually any type of expense or investment. You may wish to have a set-term loan with equal payments or you may prefer the flexibility of a line of credit that is available at any time.

If you are interested in Home Equity line of credit, please click here to contact us today.

Down Payment Assistance

You may be eligible for a grant through the Federal Home Loan Bank if you are a first time homebuyer and income eligible.

This grant allows you to qualify for up to $15,000.00 at zero percent interest and no payment. Interested homebuyers work with FHLBank members (pick us…we’re a FHLBank member) to determine if you qualify and then help you apply for the funds.  The program is called the Homeownership Set-aside Program (HSP) and it provides down payment, closing cost and repair assistance to first-time homebuyers earning at or below 80% of the Area Median Income (AMI) for households purchasing or constructing homes in Colorado, Kansas, Nebraska and Oklahoma. The HSP is provided to households as a forgivable grant if you live in your home for five years.

If you are curious about the program or want to find out if you are eligible, call the bank and ask to speak to a mortgage lender today.