Riverbank Finance LLC offers a comprehensive range of Michigan mortgage programs for homebuyers, homeowners, and real estate investors. Whether you need a low down payment purchase loan, a fast closing, cash-out refinancing, or specialty financing for condos and investment properties, our licensed Michigan loan officers can match you with the right program.
Compare fixed-rate and adjustable-rate options, government-backed loans, and conventional products—all with competitive Michigan mortgage rates. Not sure which program fits your goals? Call a licensed Michigan loan officer at 1-800-555-2098 for a free consultation.
For general mortgage shopping guidance, review the Federal Reserve's 5 Tips for Shopping for a Michigan Mortgage.
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Browse Loan Programs
Browse purchase, refinance, government, and specialty home loan options available to Michigan borrowers. Every program below links to detailed eligibility requirements, benefits, and next steps.
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Michigan Purchase Loans
Michigan Home Loans
Primary residence financing for Michigan homebuyers, including purchase loans and refinancing with flexible terms from a local mortgage lender.
Conventional Mortgage
A leading conventional mortgage option for qualified Michigan borrowers seeking competitive rates, flexible terms, and strong long-term value.
15-Year Fixed Mortgage
Build equity faster and reduce total interest with a 15-year fixed-rate Michigan mortgage designed for homeowners who want an accelerated payoff.
Adjustable Rate Mortgage (ARM)
Take advantage of a lower initial rate with an adjustable-rate mortgage fixed for the first five years—ideal for buyers planning to move or refinance.
Conventional 1% Down Payment Mortgage
Buy a Michigan home with as little as 1% down through our conventional low-down-payment program for eligible first-time and repeat buyers.
Michigan HomeReady Mortgage
A low-down-payment conventional loan with reduced fees and monthly payments compared with standard conventional mortgages for qualifying Michigan buyers.
Michigan HomePath Mortgage
Finance the purchase of eligible Fannie Mae HomePath properties in Michigan with competitive rates and flexible buyer-friendly terms.
First-Time Home Buyer Programs
Guidance and loan options that make buying your first Michigan home more accessible, from down payment strategies to pre-approval support.
No Down Payment Loans
Explore Michigan mortgage programs that allow qualified buyers to purchase a home with little or no money down, depending on eligibility.
Vacation Home Mortgage
Second-home financing for Michigan vacation properties, cabins, and seasonal residences with terms tailored to non-primary homes.
Michigan Condo Loans
Condo financing in Michigan, including FHA-approved condominium projects and conventional options for eligible associations.
Double Wide Mobile Home Loan
Mortgage financing for Michigan double-wide manufactured homes on owned land, with purchase and refinance options for eligible properties.
Michigan Mobile Home Loans
Refinance options for qualifying Michigan mobile and manufactured homes, including double-wide properties that meet program guidelines.
Michigan Jumbo Loan Mortgage
Jumbo mortgages for Michigan home loans above conventional loan limits, with competitive pricing for high-value primary and second homes.
Quick Mortgage Closing
Accelerated Michigan mortgage processing designed to help qualified borrowers close in as little as two to three weeks when timelines matter.
Michigan Refinance & Home Equity Programs
Cash-Out Refinance
Tap your Michigan home equity through a cash-out refinance and access funds for debt consolidation, renovations, or other financial goals.
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.
Home Equity Loan & HELOC
Access Michigan home equity with a home equity loan or HELOC—borrow against your property without refinancing your existing first mortgage.
Reverse Mortgage
A reverse mortgage option for qualifying Michigan homeowners age 62+ who want to stay in their home while converting equity into usable funds.
HARP Mortgage
Information on the Home Affordable Refinance Program (HARP) for Michigan homeowners who need to refinance with limited or negative equity.
Michigan HARP Mortgage
Michigan-specific guidance on HARP refinancing for eligible borrowers seeking lower payments without significant home equity.
Michigan Home Affordable Refinance Program
Overview of Making Home Affordable refinance options for Michigan homeowners who qualify for government-backed relief programs.
Michigan Government-Backed Mortgage Programs
Michigan FHA Mortgage
FHA loans for Michigan buyers with as little as 3.5% down, plus refinance options up to 96.5% loan-to-value for eligible homeowners.
VA Loan
VA home loans for eligible veterans and active-duty service members in Michigan, featuring no down payment options and competitive rates.
USDA Rural Housing Mortgage
USDA rural development loans for eligible Michigan properties with no down payment and no monthly PMI for qualified borrowers.
Bad Credit Mortgages
Mortgage solutions for Michigan borrowers with less-than-perfect credit, including purchase and refinance paths based on individual qualification.
Michigan Renovation & Construction Loans
Conventional HomeStyle Renovation Loan
Purchase or refinance a Michigan home with as little as 5% down while rolling renovation costs into a single conventional mortgage.
Michigan HomePath Renovation Financing
Buy eligible Fannie Mae HomePath homes in Michigan and finance repairs and improvements through a dedicated renovation mortgage.
FHA 203(k) Mortgage
FHA 203(k) rehabilitation loans that combine home purchase or refinance with repair financing for Michigan fixer-upper properties.
FHA Construction Loans
Build a new Michigan home with FHA construction financing featuring a low down payment and straightforward qualification for eligible borrowers.
Michigan Specialty & Investment Mortgage Programs
Michigan DSCR Loans
Debt service coverage ratio (DSCR) loans for Michigan real estate investors—qualify based on rental income without traditional personal income docs.
Fix and Flip Loans
Short-term financing to purchase and renovate Michigan investment properties, designed for house flippers and experienced real estate investors.
Michigan Doctor Loans
Physician mortgage programs for Michigan doctors and medical professionals, including 100% financing options with no PMI for eligible borrowers.
Michigan Land Loans
Vacant land financing for Michigan lots and acreage, with purchase and refinance options for qualifying borrowers and properties.
Michigan Farm Loans
Farm and agricultural land loans for Michigan buyers seeking financing to purchase or refinance working farmland and rural acreage.