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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!

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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 928 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

Devin Kopec
Nov 03, 2025 5 Star Review

Anthony Bird and the Riverbank Finance team provided excellent service. In a tough market, Anthony and Team came in and beat my best quote, explained everything thoroughly, and pushed our refi to close in about 2 weeks. I would recommend working with them to anyone.
Diana Hammond
Oct 29, 2025 5 Star Review

Damon and associates were EXTREMELY HELPFUL and guided me so well for a first time home buyer! He was so kind and patient and very good at explaining everything! I would HIGHLY RECOMMEND HIM for anyone needing a lender/mortgage!!!
Robert Payne
Oct 18, 2025 5 Star Review

Sonya Dody and her team at Riverbank Finance were wonderful in making the buying experience of my condo straightforward and easy. Her guidance in helping me through the various tasks to come to closing took the difficulty and anxiety out of the process. I would highly recommend Sonya and Riverbank Financial when buying or selling a property.
Patricia Turner
Oct 15, 2025 5 Star Review

We worked with Josh Woodwyk with our refinance Loan! He was very professional and very helpful explaining all the steps! Very understanding our senior skills on a computer! This is the second loan with him and his company! I would recommend him and his company to all my friends!Thank You Ron and Pat Turner
Cleaned Grand Rapids
Oct 15, 2025 5 Star Review

Refinancing a mortgage can be stressful, but Anthony Bird made the entire process smooth and straightforward. He was incredibly knowledgeable, communicative, and proactive every step of the way. I always felt informed and confident in the decisions I was making. The process was fast, efficient, and exceeded my expectations. I’d highly recommend Anthony to anyone looking to refinance or secure a mortgage.
Rosalind Jones
Oct 07, 2025 5 Star Review

John Degraff was an amazing mortgage Broker to work with. He got my loan closed in 15 days as promised. He made everything easy and was responsive to all questions and concerns. Would work with him again!
Michael Schulte
Oct 08, 2025 5 Star Review

Damon worked with us and walked us through the process of buying our home! He did an amazing job. His communication was excellent throughout the whole process, as first time home buyers this meant everything to us. The home buying process is beyond stressful, but with Damon alot of that stress was alleviated. If you are looking to buy a home, Damon is your guy! Thank you!!!!
Shalyce Elliot
Oct 08, 2025 5 Star Review

Tomas was able to get me the best rate out of 4 other lenders. He is very communicative, answering all my questions and making me feel confident about the process as a 1st time homebuyer. He and his team is very efficient with getting all necessary documents and information needed to ensure a smooth transaction. I already recommended a few people and will go to Tomas for all future lending opportunities!!