I have just purchased my first home using Riverbank Finance, working specifically with Anthony Bird. First of all, I highly recommend using a mortgage broker. Anthony has a working relation with nearly all loan distributors to find you the best loan/rate depending on your situation. After going to school for 7 years to get my doctorate and accruing a very large amount of student debt, the Riverbank team was still able to get me qualified for a great home on a single income. Anthony went above and beyond answering all of my questions regarding the home buying process and even assisted with some of these matters. I couldn't recommend a more friendly and trustworthy group of people.