Anthony

Owner

Hi, I’m Anthony Bird, an owner of Riverbank Finance LLC.

Thank you for your interest in joining our team!

I understand, changing companies is a big decision but staying where you are at if you are not crushing it in one of the fastest growing areas in the United States is not an option.

I am a producing loan officer also and have been for 10+ years. I close millions in loans monthly and understand the unique mortgage market that we are in today. Things are not the same as they were even a year ago. I have worked at net branch retail lenders, and done the banking model. This quickly taught me why brokers are better.

As a mortgage broker, we are in the driver’s seat of every loan. We are not held captive to ONE set of guidelines, bloated rates sheet, and slow turn times. Our lending partners compete for our business and have to earn every loan by providing competitive pricing, technology, loan programs and support.

… Take a minute to learn about how we do business!

Why Riverbank Finance?

LOW MORTGAGE RATES

Mortgage Brokers are exploding in market share because of our low overhead and variety of lending partners. This allows us to compete with the online lenders that give rock bottom loan quotes that are making you look like you are ripping off your clients (I am sure you have had that awkward conversation comparing a loan estimate with the quote they got online).

Many Retail operations pad their retails rates with up to 4.5% in points PLUS charge up front fees that they ask their loan officers to sell to the friends, family and clients that trust them. With thinning rate margins, and growing online lenders offering low rates, the retail mortgage banker model is broken and can no longer compete!

AMAZING TECHNOLOGY

Partnering with some of the largest mortgage lenders in the US allows us to take advantage of industry leading technology and marketing tools. As a mortgage broker, we are able to offer a fully digital mortgage experience with appraisal waivers, automated income verification, and automated asset verifications. With these features, we consistently close Conventional, FHA and even VA loans in 2 weeks (Does this seem impossible based on your current model? Ask for proof!).

LOAN OPTIONS

We have access to hundreds of mortgage lenders that we could choose to partner with and offer their loan products. Some specialize in cream of the crop, top notch clients that expect the lowest rates and quickest process while other lenders we have partnered with offer low or no credit score loan options, manual underwrites, down payment assistance programs and other niche products. Non QM Portfolio loans enable us to offer loans on vacant land, non warrantable condos, unique properties, bank statement only loans and more.

LOAN SUPPORT

Our staff at Riverbank Finance uses a team approach. We all communicate on a regular basis to review loan scenarios and find the best programs to fit the client’s needs. Our proven systems provide a clear path from prospect to closing. Our lender partners also provide great training tools, scenario desks, and up front To-Be-Determined underwrites, without a property address, to confirm loans will close smoothly.

LEADS PROVIDED

As a loan officer at Riverbank, you will be provided exclusive leads that apply with our company for financing (not Zillow or Bankrate garbage where you have 5 competitors). We receive hundreds of loan inquiries weekly that will provide you with a steady stream of loans in your pipeline. On top of leads, we offer extra income for self generated referral loans. With our systems, all of our loan officers earn more than the industry average for Michigan and enjoy a normal 40 hour work week so they can enjoy time with their families.

CLIENT FOLLOW UP

One of the largest challenges as a loan officer is staying in front of your Clients and referral partners. Our proprietary CRM system implements automated lead follow up with emails, integrated text messaging and phone support. The follow up starts when they are a lead and continues for years after their closing (this is not an out of the box system that send holiday recipes and other useless junk mail).

Once you close a loan for a client you will be notified if they have their credit pulled, list their house for sale or request a loan payoff (how many times have you missed the boat and found out your client got a new loan with your competitor!).

SUMMARY

If you are watching what is happening in the market, you know that mortgage brokers are picking up steam and will have explosive growth as other retail bankers go out of business. There are a lot of great companies out there but very few can match the competitive advantages of a skilled mortgage broker.

You may or may not know about me or Riverbank Finance but if the information above interests you, then let’s have a mocha latte and get to know each other.

616-365-5792

My direct phone line is 616-365-5792 and my email is . Text me, call me or email me. Let's talk soon!