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November 20th the Consumer Financial Protection Bureau (CFPB) released a nearly 2,000 page document relating to RESPA disclosures and Real Estate Closings (If you have a month of free time click here to read). These forms are known as the “Know Before You Owe” mortgage disclosures. This final rule applies to all clients applying for and closing… Read more »
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Author: Anthony Bird
My name is Anthony Bird, an owner of Riverbank Finance, a Grand Rapids Mortgage Company, based here in Michigan. I am a graduate from Grand Valley State University majoring in both Business Management and Marketing. I have been a mortgage professional in Michigan for 6 Years with experience as a retail bank loan officer as well as for private mortgage companies.
Riverbank Finance is a local mortgage company that values community and the West Michigan Area. We hire only licensed loan officers that can custom tailor loans for our client's needs.
If you have any real estate or mortgage questions, call me at 616-365-5792 or email me at info@riverbankfinance.com and I will do whatever it takes to help. Learn more about me on my Google Profile: About Anthony Bird. I look forward to hearing from you soon!
VA Home Loans for Military Veterans | Free Appraisal
About Veterans Day As the United States continues fighting overseas, the population of military veterans continues to increase. According to the most recent Census information there are over 21 million veterans that have served our country. The growing population of veterans struggle to receive proper healthcare and are faced with repeated VA hospital related scandals… Read more »
FHA Construction Loans
What is the FHA One time close construction loan program? Conventional construction loans are typically difficult to qualify for and require very large down payments however the FHA has introduced a construction loan program for the average family. Qualifying is easy with flexible credit guidelines and low score requirements. The best part is that a… Read more »
5 Reasons why Now is the Time for a Cashout Refinance Home Loan
A Cashout refinance home loan is a mortgage that pays off your current loan by refinancing and provides the homeowner with funds at closing to pay off debt, complete home repairs or simply as cash in hand. Recently mortgage rates fell to the lowest they have been in 16 months. This may make it the right… Read more »
Map of Average Mortgage Balances by State
In an article released by Business Insider analysts break down the average mortgage balances by state including the US average mortgage balance. Using statistical information provided by one of the main three credit bureau reporting agencies, Experian’s Decision Analytics, analysts created a heat map demonstrating the hot zones for high mortgage debt. Ranking in the top five for… Read more »
Michigan Vacation Home Mortgage | Second Home Mortgage Loan
Historically real estate has been one of the best investments you can put your money in with year over year positive appreciation and tax advantages. You may already have a place you call home but adding on an investment property may make financial sense. At Riverbank Finance, we offer second home loans and a vacation home mortgage… Read more »
Calculating MI Property Taxes
When shopping around for a home it is beneficial to check the cost of property taxes. Property Tax Overview: Property tax is a levy on property. It is required to be paid by the owner annually based on the fiscal year. They are collected on a county level and each county has its own system… Read more »
Am I eligible for a USDA Rural Development Mortgage?
A USDA Rural Development Mortgage is a no down payment mortgage that is offered to rural property purchasers. There are many benefits of this mortgage including no down payment needed, a minimum 580 credit score and low interest rates! This home loan options is growing in popularity among first time home buyers and repeat home… Read more »
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