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Riverbank Finance is a top rated Michigan Mortgage Broker based in Grand Rapids, MI. We serve Michigan residence with low rates home loans for buying a home or refinancing. Let us shop over 20+ lenders to find you low rates and fees for your next mortgage!

Home Equity Loans now available to access equity from your home without refinancing. Use a Michigan Home Equity Loans to get cash for home improvements, debt consolidation and more!

FHA Mortgage
USDA Home Loans
VA Home Loan
Michigan Home Loans

FHA Mortgage Loans in Michigan

FHA mortgage loans are a great option for first time home buyers or clients with bumps in their past credit. This flexible home loan option may allow you to buy a home with as low as a 580 credit score and only a 3.5% down payment. Mortgage rates are typically lower than Conventional home loans because they are insured by the Federal Housing Administration. If you are a first time home buyer or want to buy a home with a low down payment apply for an FHA Home Loan today!

Want more information on an FHA Mortgage?

Apply for an FHA Mortgage!

USDA Rural Development Home Loans

USDA Home Loans require no down payment for loans up to a $510,400. This is the perfect first time home buyer program for those that do not have a large down payment saved. While many banks and lenders require as much as 20% down for similar conventional mortgage options, this home loan option requires Zero Down! The home must be purchased in a rural area and the household must earn low to moderate income to qualify. If you are interested in buying a home with no down payment apply for an USDA Home Loan today!

Want more information on a USDA Mortgage?

Apply for a USDA Home Loan!

VA Home Loans

We are proud to support our military veterans by offering VA Home Loans with no down payment. This 100% financing option may allow a military veteran to purchase a home with Zero Down! While many banks and lenders add overlays that require perfect credit, we offer VA Home Loans down to a 620 credit score. A VA Home Loan may be the best loan type available to buy a home with no PMI or mortgage insurance and still get some of the lowest mortgage rates available. If you are a military veteran and believe you may be eligible for VA benefits then apply online for a VA Home Loan today!

Want more information on VA Home Loans?

Apply for a VA Home Loan!

Michigan Home Loans

Riverbank Finance is a Michigan mortgage company in Grand Rapids. Locally owned and operated, we specialize in mortgage loans, home loans, mortgage pre-approval, mortgage refinancing, new home purchase loans and new home loans in Grand Rapids. Our commitment to quality ensures that we will provide the best home loans with some of the lowest Grand Rapids mortgage rates.

Experienced Mortgage Professionals

The Michigan mortgage experts at Riverbank take the extra time to compare mortgage rates at banks and mortgage lenders to ensure that you are offered some of the lowest mortgage rates available. A licensed loan officer will give you one on one customer service for your new home loan. We can also help Michigan home owners with mortgage refinancing in Grand Rapids and West Michigan. Call us today for a free mortgage quote for your new mortgage.

How do I apply for a mortgage in Michigan?

Riverbank is a top choice for Michigan home loans if you are buying a new home or refinancing your mortgage. Mortgage companies in Michigan are all licensed through the NMLS (National Mortgage Licensing System) and the state of Michigan. Not only must mortgage companies maintain their licensing and take training courses and exams but also every mortgage loan officer of the company must be licensed.

To be a licensed Mortgage loan officer you must have taken hours of training courses and have passed extensive mortgages exams to prove your knowledge. A loan officer that you will find in a bank or credit union is not subject to the same licensing requirements and is able to do loans on their first day with no experience! Who would you rather have advise you on your largest real estate investment? Choose a local mortgage company for your next Michigan home loan!

Our Company Reviews

4.9 Stars out of 877 Google Reviews

Read our mortgage company reviews and see what our clients are saying about us on Google Reviews. If you are a past client, take a moment and let others know how we were able to help you and your family buy a home or refinance and save money!

Read Our Reviews

Google Review Client Testimonials

Jason Wallace
May 13, 2025 5 Star Review

Damon Grosz and Riverbank Finance really came through for me. After some shopping around, I found Riverbank to be the best financial institution for my house purchase. Damon and his team made the whole process as quick and easy as it could be. It only took me about two and a half weeks from application to close on my home. I have only positive things to say. I'd readily recommend Damon and Riverbank for your financial needs.
Justin Perry
May 08, 2025 5 Star Review

Josh was very helpful in the entire process, he was able to get us approved for a higher amount and yet keep us under our requested monthly payment. He was very helpful keeping us within our preferred budget and explaining how the whole process works. Would definitely recommend for anyone looking to go through a broker.
Justin Blevins
May 08, 2025 5 Star Review

I've used Riverbank Finance 6 times now and they continue to impress! They do an amazing job shopping around for the best financing options, and when you compare apples to apples, they always come out on top. Anthony is fantastic—he takes the time to walk you through every option and can explain things clearly whether you're new to mortgages or experienced. Highly recommend!
Norm Kendrick
Apr 30, 2025 5 Star Review

Anthony and his team at Riverbank Finance were simply awesome! Within minutes of being introduced to the team, they were wholeheartedly engaged and made us feel as if we were their primary customer and concern. Their level of engagement and communication was exceptional and they clearly explained every anticipated step in the process. Riverbank Finance helped secure what will happily be our forever home and we highly recommend them for your mortgage broker needs!
Madison Geary
Apr 24, 2025 5 Star Review

When my spouse and I decided to buy our first home out of state, more than 500 miles from where we were living, I was daunted by the task. However, Sonya and the rest of the team at Riverbank Finance made the experience of purchasing our home incredibly smooth! Sonya was specifically helpful, fast, understanding, and informative. I would be happy to work with Sonya again in the future and recommend her for any mortgage loan needs!
Chris Bajwa
Apr 07, 2025 5 Star Review

Josh at Riverbank took really great care of us from the very beginning of our mortgage application all the way through closing. He had great communication and was very responsive to all of our requests. He was patient and helpful and we felt empowered by his service to us in our mortgage process. We feel like we got the best product and rate possible for our situation. Very thankful for his help in this process!
Michael Flynn
Apr 03, 2025 5 Star Review

Damon and his team were invaluable in helping us with everything we needed to purchase our home. If some paper work was a little off the gave easybto understand instructions to have everything in order. Any questions I had were responded quickly. They want you to succeed. I can not recommend them enough.
JC Ransom
Mar 21, 2025 5 Star Review

Highly recommend working with John DeGraaf and the River Finance LLC team for mortgage/refinance needs. We researched and read many brokerage service reviews before deciding to work with Riverbank Finance and so happy that we did! John was professional, extremely knowledgeable in best practices in the industry, and kept our loan on track to close within a month of application. John was always prompt in answering our questions and did an excellent job in matching a home refinance loan to our specific needs. If/when the time comes again for another mortgage loan, there will be no hesitation in working with John and team again - Thank you!