Josh Ruiz

Fixed Rate
A fixed-rate mortgage allows you to know your exact rate and monthly payment throughout the entire loan term. We offer fixed rate mortgages with 10, 15, 20, or 30 year terms. View Rates.

Adjustable Rate Mortgage (ARM)
ARMs allow you to start with a lower rate than fixed-rate loans, but the rate can adjust up or down periodically. Rivermark ARMs start with introductory terms of 5 or 7 years. View Rates.

Jumbo
Jumbo loans are available for when your dream home requires a loan amount exceeding 

. Available as an adjustable rate mortgage. View Rates.

First Time Buyer
We offer special options for first time buyers to help make home ownership a reality. Down payments as low as 3% to purchase a new home. View Rates.

Home Equity
Borrow a predetermined amount to use as you wish using the equity in your home. The loan is repaid on a fixed, monthly schedule. View Rates.

Home Equity Line of Credit (HELOC)
A HELOC is a revolving line of credit that gives you access to cash when you need it. Instead of borrowing a set amount all at once, you have flexibility to borrow as you go. View Rates.

We Make it Easy to get the Financing You Need.

Purchasing a home is one of the largest financial decisions you’ll make, and our Mortgage Loan Officers are here to help you along every step of the way. Below is a high-level overview of the process:

Step 1: Get Pre-Approved

• Submit your home loan application online or in a branch.
• Rivermark may request supporting documentation, like pay stubs.
• Your Mortgage Loan Officer will contact you with the amount for which you’ve been pre-approved.

Step 2: Shop for Your Home

• You can shop with confidence knowing you’ve been pre-approved for a price range that is right for you.
• When you find the right home and have negotiated the sales price, you send the signed agreement to your Mortgage Loan Officer to start the process.
• You can lock in your interest rate now that you know the loan amount, term and date of closing.
• The loan documentation and authorizations are completed, and your Mortgage Loan Officer will order the appraisal.
• Appraisals may take 2-3 weeks to be completed. While you wait, your loan application is submitted to underwriting.

Step 3: Final Approval and Closing

• Once the appraisal is completed, your loan is ready for final approval by Rivermark.
• A copy of the appraisal will be sent to you via email or mail.
• Rivermark will send out the final Closing Disclosure for you to review.
• The closing documents are then sent to the Escrow officer to arrange the appointment.
• On the date of your signing you will sign all of the documents at the title company and deliver the final amount due for closing.
• Normally within 24 hours (next day) the loan is funded by Rivermark, the deed is recorded and you are now the owner of a new home and the keys are yours.

Click here for a printable checklist.