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Young couple looking a new house they want to purchase.

First-Time Buyer

Are You Ready to Become a Homeowner?

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First-Time Buyer Options

We understand the home-buying process can be confusing. That's why Rivermark has experienced Mortgage Officers to guide you through the process. We can make the path to ownership easier with loans that eliminate the need for a big down payment and hold down other costs. View our first time buyer programs below!
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Get Pre-Approved

For faster service, start your application online. A Rivermark mortgage professional can get you pre-approved quickly.  A pre-approval shows realtors that you are a serious buyer and can help speed up the transaction when you’re ready to buy.

Meet Our Team

First Time Buyer Options

$0 Down Mortgage*

With no down payment requirement, low fees and closing costs, plus a local lending expert to guide you, we make it easier to buy your first (or next) home.

  • No down payment required
  • No mortgage insurance required
  • Minimum 680 credit score
  • First-time homebuyers and current homeowners are eligible
  • Terms available: 5/6, 10/6 ARM
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100% Combo Loan**

Our 100% First-Time Buyer Loan offers no down payment, no mortgage insurance, competitive rates, and low fees. 

  • 80% of your purchase is a First Mortgage 
  • 20% of the purchase is a Home Equity Loan (used as “down payment”)
  • Terms available: 5 & 10 year ARM or 30 year fixed
  • Minimum FICO score of 700
  • No down payment required
  • No private mortgage insurance required
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Meet the Mortgage Team

Meet Rivermark's Mortgage Loan Officers — dedicated experts committed to personalized service, guiding you every step of the way toward your perfect home. Connect with our friendly team today!
Meet the Team

Frequently Asked Questions

  • Start with a call to one of our Mortgage Team members. They will help you select the product that’s right for you and get you started with the pre-approval process. If you prefer, you may apply online and a Mortgage Loan Officer will reach out to you directly. Upon approval, you will receive a pre-approval letter.

  • In most cases, we’re able to provide a pre-approval letter to you within 24-48 hours.

  • Rivermark is licensed to provide mortgages on properties in Oregon, Washington and Idaho.

  • The interest rate is used to calculate your mortgage payment. The APR is a broader measure of the cost of your mortgage and includes finance charges that apply to your mortgage. An APR is an effective tool to make apples-to-apples comparisons of mortgage options

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*Rivermark's $0 Down Mortgage loan is a 5/6 or 10/6 ARM and only available for borrowers who are intending to occupy the property as a primary residence. Property restrictions and other conditions apply. Contact a mortgage officer for details. For all dwelling-secured loans, hazard insurance is required, and flood insurance may be required. All loans are subject to underwriting approval.

**Our 100% Combo Loan is an 80/20 loan program that includes a first mortgage loan amount that is 80% of the purchase price, and a home equity loan for 20% of the purchase price (used as "down payment").  Available for primary residence purchases only up to 100% LTV. Applicants must meet credit and ability to repay requirements. 

Home Mortgage Disclosure Act Notice

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials.

HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website. (www.consumerfinance.gov/hmda).

NMLS# 401937