Mortgages & Home Equity

Whether you are a first-time home buyer looking to refinance for a low rate, or looking for that second home on the lake, Rivertown has many mortgage options to fit your needs! We have low closing costs, and a no-points-to-buy-down rate. If you have any questions about our Mortgage options, or wish to begin the application process, Please Call (616) 406-2480 and press 1 to speak with a friendly Rivertown Representative!

Click Here to View Our Current Rates

Conventional Mortgages

Rivertown's Conventional Mortgages offer competitive, conforming interest rates, fixed rates for 10, 15, 20, 30 years, and low down payments! We are willing to work with lower credit scores and with these mortgages sellers can help pay for your closing costs and prepaids. Get started now!

Home Equity Loans

Whether you are looking for the flexibility of a revolving line of credit or the security of fixed monthly payments, Rivertown offers both a Fixed Loan and a Home Equity Line of Credit. Home Equity Loans are great for financing home improvement projects, consolidating debt, weddings, vacations, education, and much more!


We have partnered with AmeriCU, a credit union owned organization who serves only Credit Union Members. AmeriCU offers low-down payments, and in some cases, no down payment mortgages for home buyers. To find out more about AmeriCU and their services offered Click Here.


Mortgage and Home Equity Ratings & Reviews

Quick Tips

Enjoy Unlimited, 24/7 access via our Electronic Services to:

  • Transfer Funds
  • Obtain Balance Information
  • Make Loan Payments
  • Check History

Features & Benefits:

  • We do 90% Loan to Value on In-House Mortgages.
  • We also offer Subshare Accounts for putting money aside to pay yearly homeowners insurance and property taxes.
  • Deduct your house payment right from your account using Direct Deposit.
  • With HELOC's, you only pay interest on what you have borrowed, not what is available to you, making pay off easy.
  • RCFCU NMLS# 430397

*Membership eligibility required for all loans

Learn More and Apply Online!

Click Here