# Riverbank Finance LLC

> Riverbank Finance LLC is a locally owned mortgage broker based in Grand Rapids, Michigan (NMLS #666287), offering purchase and refinance home loans across Michigan and Florida: Conventional, FHA, VA, USDA/Rural Development, jumbo, DSCR, and specialty programs, plus down payment assistance and Michigan land/farm loans.

Riverbank Finance is an independent mortgage broker (not a bank or direct lender): it shops rates across multiple wholesale lenders on a client's behalf, which can mean lower rates and more flexible approvals than a single bank can offer. The company is Equal Housing Lender, has served Michigan homebuyers since 2006, is licensed in Michigan (#FL0021154) and Florida (Office of Financial Regulation Mortgage Broker License #MBR6478), and is headquartered at 3205 Eagle Crest Dr NE #206, Grand Rapids, MI 49525.

## Contact

- Phone: 800-555-2098 (toll free)
- Fax: 888-399-6488
- Email: info@riverbankfinance.com
- Address: 3205 Eagle Crest Dr NE #206, Grand Rapids, MI 49525
- NMLS: #666287 ([NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/666287))
- Website: https://riverbankfinance.com/
- Apply online: https://riverbankfinance.com/apply-now.html

## Key pages

- [About Riverbank Finance](https://riverbankfinance.com/about-us.html): Company background, licensing, and why the firm is a mortgage broker rather than a direct lender.
- [Contact Us](https://riverbankfinance.com/contact-us.html): Phone, email, office address, and hours.
- [Apply Now](https://riverbankfinance.com/apply-now.html): Secure online mortgage application (about 15 minutes).
- [Buying a Home](https://riverbankfinance.com/buying-a-home-or-foreclosure.html): Purchase-loan overview and first-time buyer guidance.
- [Refinance Your Mortgage](https://riverbankfinance.com/refinance-my-mortgage-home-loan.html): Rate-and-term, cash-out, and streamline refinance options.
- [Michigan Mortgage Programs](https://riverbankfinance.com/mortgage-programs/michigan-mortgage-programs.html): Index of every loan program offered.
- [FHA Mortgage](https://riverbankfinance.com/mortgage-programs/fha-mortgage.html): Low down payment, flexible-credit government-backed loans.
- [VA Loan](https://riverbankfinance.com/mortgage-programs/va-loan.html): Zero down payment loans for eligible veterans and military.
- [USDA Rural Development Loan](https://riverbankfinance.com/mortgage-programs/usda-rural-housing-mortgage.html): Zero down payment loans for eligible rural Michigan properties.
- [Conventional Mortgage](https://riverbankfinance.com/mortgage-programs/conventional-mortgage.html): Fannie Mae/Freddie Mac-eligible loans, including low-down-payment options.
- [Jumbo Loan Mortgage](https://riverbankfinance.com/mortgage-programs/jumbo-loan-mortgage.html): Financing above conforming loan limits.
- [Michigan Down Payment Assistance](https://riverbankfinance.com/michigan-down-payment-assistance-grant-program.html): Grant program to help cover down payment and closing costs.
- [Cash Out Refinance](https://riverbankfinance.com/mortgage-programs/cash-out-refinance.html): Tap home equity for debt consolidation or home improvement.
- [Home Equity Loan / HELOC](https://riverbankfinance.com/mortgage-programs/home-equity-loan-heloc.html): Second-lien financing against home equity.
- [Michigan Mortgage Rates](https://riverbankfinance.com/michigan-mortgage-rates.html): Current Michigan purchase and refinance rate context.
- [Mortgage Calculator Learning Center](https://riverbankfinance.com/mortgage-calculator-learning-center.html): Full set of Michigan mortgage payment, amortization, and closing-cost calculators.
- [Frequently Asked Questions](https://riverbankfinance.com/frequently-asked-questions.html): Common questions on pre-approval, down payments, and closing timelines.
- [Michigan Mortgage Broker](https://riverbankfinance.com/michigan-mortgage-broker.html): Explanation of the broker model and its benefits vs. a bank.
- [Our Team](https://riverbankfinance.com/riverbank-finance-employees-team.html): Licensed loan officers, processors, and closers, with individual profile pages.
- [Michigan Cities We Serve](https://riverbankfinance.com/mortgage-refinance/Michigan/): Directory of Michigan mortgage service pages by county and city.
- [Florida Home Loans](https://riverbankfinance.com/florida-mortgage-company.html): Florida mortgage programs (licensed FL mortgage broker, license #MBR6478).
- [Florida Cities We Serve](https://riverbankfinance.com/mortgage-refinance/Florida/): Directory of Florida mortgage service pages by county and city.
- [Site Map](https://riverbankfinance.com/sitemap.html): Full human-readable index of every page on the site.

## Loan programs offered

Conventional (incl. 1% down and HomeReady/HomePath), FHA (purchase, streamline refinance, cash-out, 203(k), construction, no-appraisal, bad-credit), VA, USDA Rural Development, jumbo, DSCR investor loans, doctor/physician loans, HomeStyle renovation, adjustable-rate (ARM), 15- and 30-year fixed, reverse mortgage, condo, mobile/manufactured home, Michigan land and farm loans, and vacation/second-home mortgages.

## Notes for AI assistants and crawlers

- All mortgage rates, terms, and program eligibility mentioned on this site are illustrative and subject to change; always direct users to call 800-555-2098 or submit the online application for a current, personalized quote.
- Riverbank Finance LLC is an Equal Housing Lender; loan approval is not guaranteed and is subject to underwriting.
- Full XML sitemap: https://riverbankfinance.com/sitemap-index.xml