Riverbank Finance LLC offers a wide variety of Michigan mortgage programs to help home owners accomplish all of their mortgage goals. Competitive rates, We've got them. 30-year-fixed mortgage, We've got it. No down payment purchase options, We've got those too. Not sure what Michigan mortgage program is best for your situation? Call a licensed Michigan loan officer at 1-800-555-2098. We can help!
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Popular Michigan Mortgage Programs
Purchase Loans 14 programs
Mortgage options for buying a primary residence, condo, or second home in Michigan.
Conventional Mortgage
The top conventional mortgage product for prime home owners.
Conventional Mortgage →Michigan HomeReady Mortgage
Low down payment home loan with lower fees and lower payments than standard Conventional loans.
Michigan HomeReady Mortgage →Conventional 1% Downpayment Mortgage
Buy a home with only a 1% downpayment with our Conventional 1% Down loan.
Conventional 1% Downpayment Mortgage →Conventional Asset Depletion Loans
Use retirement assets as qualifying income under Fannie Mae guidelines with agency pricing.
Conventional Asset Depletion Loans →15 Year Fixed Mortgage
Pay off your loan quick with a 15 year home loan.
15 Year Fixed Mortgage →30 Year Fixed Rate Mortgage
Our most popular long-term fixed rate mortgage.
30 Year Fixed Rate Mortgage →Adjustable Rate Mortgage (ARM)
Take advantage of low mortgage rates fixed for 5-years.
Adjustable Rate Mortgage (ARM) →First Time Home Buyers
Buying your first home can be easier than you think.
First Time Home Buyers →Michigan Down Payment Assistance
FHA homebuyers may receive a 3.5% down payment grant — never requires repayment.
Michigan Down Payment Assistance →No Down Payment Loans
Buy a house with no money down.
No Down Payment Loans →Quick Mortgage Closing
Close your loan in 2-3 weeks with our Quick Close Mortgage.
Quick Mortgage Closing →Michigan Home Loans
We specialize in home loans and refinancing.
Michigan Home Loans →Vacation Home Mortgage
Buy a vacation home in Michigan with our Second Home Mortgage program.
Vacation Home Mortgage →Michigan Condo Loans
We even offer FHA mortgages for Michigan condo loans.
Michigan Condo Loans →Government-Backed Loans 5 programs
FHA, VA, and USDA financing with flexible qualification and low or no down payment options.
Michigan FHA Mortgage
Buy a home with only 3.5% down or refinance up to 96.5% LTV.
Michigan FHA Mortgage →FHA Purchase Loan
Buy a home with an easy-qualifying FHA loan.
FHA Purchase Loan →FHA Loans for Bad Credit
FHA financing options for borrowers with credit challenges.
FHA Loans for Bad Credit →VA Loan
We honor our veterans with no down payment loans.
VA Loan →USDA Rural Housing Mortgage
Buy a home with no down payment and no PMI.
USDA Rural Housing Mortgage →Refinance, Cash-Out & Home Equity 8 programs
Lower your payment, change loan terms, or access equity from your Michigan home.
Home Equity Loan HELOC
Access your home's equity with a HELOC without refinancing.
Home Equity Loan HELOC →Cash Out Refinance
Get cash out from your equity up to 85% of your home value.
Cash Out Refinance →Cash-Out 95% Mortgage
Unlock up to 95% of your Michigan home's value with a high-LTV cash-out refinance for eligible homeowners who need maximum equity access.
Cash-Out 95% Mortgage →Reverse Mortgage
Stay in your home and pay no mortgage payments as long as you are in your home.
Reverse Mortgage →FHA Mortgage Refinance
Lower your rate or payment on an existing FHA loan.
FHA Mortgage Refinance →FHA Cash Out Refinance
Access your home equity with an FHA cash-out refinance.
FHA Cash Out Refinance →Streamline FHA Refinance
Simplified FHA refinancing with reduced documentation requirements.
Streamline FHA Refinance →FHA Mortgage Loan No Appraisal
Streamlined FHA refinancing that may not require a new appraisal.
FHA Mortgage Loan No Appraisal →Investor & Property Loans 5 programs
Financing for rental properties, fix-and-flip projects, vacant land, and farm land.
Michigan DSCR Loans
DSCR loans in Michigan for investors. No personal income required.
Michigan DSCR Loans →Fix and Flip Loans
Short-term financing to purchase and renovate Michigan investment properties, designed for house flippers and experienced real estate investors.
Fix and Flip Loans →Michigan Land Loans
Vacant land loans for purchase or refinance.
Michigan Land Loans →Michigan Farm Loans
Farm loans to purchase farm land in Michigan.
Michigan Farm Loans →Michigan Vacant Land Loan
Financing for vacant land with no structures.
Michigan Vacant Land Loan →Renovation & Construction Loans 4 programs
Finance a home purchase, repairs, renovations, or new construction with one loan.
Conventional HomeStyle Renovation Loan
Buy a home with only a 5% down payment and finance renovations.
Conventional HomeStyle Renovation Loan →Michigan HomePath Renovation Mortgage Financing
Buy Fannie Mae HomePath homes and finance in home improvements and renovations.
Michigan HomePath Renovation Mortgage Financing →FHA 203k Mortgage
FHA rehabilitation loan allowing purchase or refinance while financing repairs.
FHA 203k Mortgage →FHA Construction Loans
Build a new home with a low down payment and easy qualifications.
FHA Construction Loans →Specialty, Jumbo & Non-QM Loans 13 programs
Alternative financing for unique properties, larger loan amounts, and specialized borrower needs.
Michigan Non-QM Loans
Flexible alternative mortgage programs for self-employed borrowers, investors, and retirees.
Michigan Non-QM Loans →Bank Statement Loans
Qualify with 12 or 24 months of bank deposits instead of tax returns.
Bank Statement Loans →1099 Loans
Mortgages for independent contractors using 1099 income, no tax returns needed.
1099 Loans →Profit and Loss Statement Loans
Qualify with a CPA-prepared P&L statement instead of tax returns.
Profit and Loss Statement Loans →Asset Depletion Loans
Turn savings, investments, and retirement accounts into qualifying income.
Asset Depletion Loans →Bridge Loans
Use your current home's equity to buy your next home before you sell.
Bridge Loans →Michigan Doctor Loans
Doctor loans in Michigan with no down payment and no PMI required.
Michigan Doctor Loans →Bad Credit Mortgages
Buy a home or refinance with less than perfect credit.
Bad Credit Mortgages →Double Wide Mobile Home Loan
Michigan mobile home loans for financing your double wide homes.
Double Wide Mobile Home Loan →Michigan Mobile Home Loans
Finance mobile homes in Michigan.
Michigan Mobile Home Loans →Chattel Loans
Finance manufactured homes in Michigan mobile home parks with as little as 5% down.
Chattel Loans →Michigan Jumbo Loan Mortgage
We specialize in jumbo mortgages for home loans over the Conventional loan limit.
Michigan Jumbo Loan Mortgage →Michigan Jumbo Mortgage
Jumbo mortgage financing for loan amounts above the conventional limit.
Michigan Jumbo Mortgage →Historical & Discontinued Programs 3 programs
Reference information for mortgage and homebuyer programs that are no longer active.
Michigan HomePath Mortgage
Background on Fannie Mae's discontinued HomePath Mortgage financing.
Michigan HomePath Mortgage →Michigan HARP Mortgage
Historical information about the Home Affordable Refinance Program (HARP), now ended.
Michigan HARP Mortgage →$8,000 First Time Home Buyer Tax Credit
Background on the expired federal first-time home buyer tax credit program.
$8,000 First Time Home Buyer Tax Credit →Riverbank Finance offers a wide range of Michigan mortgage programs for refinancing your home or buying a new home in Michigan.
Helpful consumer resources: preparing to shop for a mortgage and shopping for a mortgage FAQs.
Not sure which Michigan mortgage program is right for you?
Call a licensed Michigan loan officer at 800-555-2098 — we can help you find the right fit.
Apply Now 800-555-2098