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Specialty Loan products

Find a loan as unique as your home. Specialty Products offer financing to borrowers with specific needs. From creative financing for non-agency loans and construction projects to jumbo and farm loans, there's a Specialty Product for you. Take a look below to see what types of specialty mortgage options RiverHills Bank has to offer. Feel free to call us and speak to a real-life Mortgage Specialist to learn more about these products or any other mortgage products.

 


 

If you need it, we’ve got it

Specialty products

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Jumbo loans

Jumbo loans are Conventional loans with a loan amount that exceeds Fannie Mae or Freddie Mac loan limits. These loans may be available with as little as 5% down payment for well-qualified borrowers to buy or refinance their primary residence.

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land and farm loans

Loans for land, farms and some unusual properties are available for eligible buyers in rural areas.

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doctor loans

The bank’s Doctor loan program is a low down-payment and low or no PMI option for eligible doctors.

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bridge loans

A Bridge loan allows a buyer to access the equity in their current home to proceed with the purchase of their next home without closing on the sale of the current home first. The loan on the current home and loan on the next home are kept separate, avoiding the need to refinance the new loan when the current home is sold.

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non-agency loans

Creative financing may be available for buyers who don’t quite fit an agency program or portfolio option.

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‘our heroes’ loans

Our Heroes is a low down-payment and low PMI option for teachers, police, firefighters, paramedics and EMTs.

In conclusion

Mortgages are not a one-size-fits-all type of product, and RiverHills Bank is committed to finding the best option for every buyer. These are just some of the specialty programs we offer. You are not stuck with Fannie and Freddie guidelines. For those who may need to improve their credit score to become eligible to qualify for a home loan, while also building up a savings for down payment, check out our RHB Credit Builder Program.

Programs are for qualified borrowers. All borrowers are subject to credit approval, underwriting approval and lender terms and conditions. Programs are subject to change without notice. Some restrictions may apply. This is not a commitment to lend. A Mortgage Specialist will review and provide you the terms, conditions, disclosures, and additional details on the interest rates that may apply.

 

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