Mortgage center

301 Main St, Milford OH 45150

Whether buying or refinancing, a home, a second home or investment property, our local, trusted and knowledgeable home loan experts work with you from start to finish.

First-time buyer specialists, down payment assistance, tax credit for eligible first-time buyers, great rates, and local personalized assistance.

FHA Loans

FHA loans are often the best option for buyers with less than perfect credit and require low down payment.

VA Loans

Typically the best option for eligible veterans or active-duty military, VA home loans require no down payment.

Conventional Loans 

Conventional loans are often the best option for borrowers with excellent credit, with as little as 3% down.

USDA Loans

USDA loans are a no money down financing option — 100% of the purchase can typically be financed.

Credit Builder

Need to improve your credit? Build or repair your credit with low monthly payments with Credit Builder.

Specialty products

RiverHills Bank also offers a variety of specialty loan programs such as bridge loans, land and farm loans, and more.

down payment

It’s not necessary to save for a big down payment to own your own home. Home loans are available with as little as no money down and down payment assistance is available too. Many homeowners have bought with 3% or less.

Income

We work with borrowers to get a complete understanding of their finances, including qualifying income. We want every buyer to be positioned to be a successful homeowner, and we will always treat you like a person, not a number.

Credit

Your credit does not have to be perfect. We have helped buyers with scores in the 500s own a home. If you need help building or improving your credit, our Credit Builder Program can help you get where you need to be.

Personalized Assistance

You may choose to complete the loan process almost entirely on-line, or meet with us face to face. Or maybe you’d prefer a little of both? Our local, trusted and knowledgeable experts are here for you when you need us.

Assistance Programs

At RiverHills Bank, we specialize in down payment assistance programs and loans that require little or no money down. We help homebuyers become homeowners with very little out of their own pockets.

CLOSING costs Options

Every loan involves closing costs but they can often be paid for by the seller or perhaps included in the financing. Many first-time homebuyers become homeowners with less than $500 of their own funds.

• Pay stubs from the most recent 30 days (most recent LES if military)

• W-2s and/or 1099s from most recent 2 years

• Signed copies of Federal tax returns with all schedules from most recent 2 years if self-employed

• Signed Year-to-Date Profit & Loss Statement, through at least most recent Quarter if self-employed or own rental property

• Bank statements from most recent 2 months (all pages)

• Copy of complete Purchase Agreement and all addendums if a purchase

• Homeowner’s Insurance agent’s name and phone number

• Name and phone number and/or email of your real estate agent, if applicable

• If refinancing, copy of Closing Statement from closing on current loan

• Driver’s License or State or Military ID