Business Details
Your Trusted Mortgage Broker in Cincinnati
We are a full-service mortgage lender dedicated to providing personalized loan solutions for homebuyers and homeowners. Our approach combines decades of loan origination experience with business and finance expertise to help clients understand how their mortgage fits into their overall financial goals. We prioritize building relationships over transactions, offering accessible, authentic, and transparent services through a nationwide team of experts.Our culture emphasizes collaboration, communication, and commitment to making homeownership dreams a reality. As a direct lender, we provide access to top mortgage programs while maintaining a family-like atmosphere that values personalized guidance and efficient processing.
Services
Home Purchase
FHA Loans
VA Loans
Non-QM Loans
Physician Loans
Conventional Refinance
FHA Streamline
VA IRRRL
Refinance Programs
Direct Lending
Highlights and features
- We offer decades of experience in mortgage lending with personalized guidance.
- We provide direct access to top mortgage programs for various financial goals.
- We maintain transparent communication throughout the entire loan process.
- We employ a dedicated concierge team for purchase loan processing.
- We operate in 29 states with local market expertise in key locations.
Associations and certifications
- Better Business Bureau
What people say
500+ Reviews
$5B+ In Funded Loans
20K+ Loans Funded
A+ Better Business Bureau
Personalized Service
Services
Home Purchase
Our home purchase program helps buyers achieve homeownership through multiple loan options. We offer specialized services including the River City Seal of Approval for stronger offers and dedicated concierge teams for seamless processing. Clients benefit from expert guidance from pre-approval through closing with a focus on speed and communication.
FHA Loans
FHA loans provide affordable options for first-time buyers with lower credit scores and minimal down payments. We offer standard FHA loans and streamline refinance options with flexible qualification requirements. Our team guides clients through the unique benefits including mortgage insurance options and property standards.
VA Loans
VA loans offer favorable terms for military members, veterans, and surviving spouses. Our specialists help clients navigate the VA loan process including certificate of eligibility, funding fees, and property requirements. We provide competitive rates with options for zero down payment financing.
Physician Loans
Physician loans cater to medical professionals with high debt-to-income ratios. We offer 100% financing options up to $750,000 with no private mortgage insurance requirements. Our program accommodates residents and practicing physicians across multiple medical specialties.
Non-QM Loans
Non-QM loans serve non-traditional borrowers with alternative income verification methods. We provide financing up to $3 million using bank statements or asset-based verification. This program suits self-employed individuals and those with complex financial situations.
People
Nick Hunter
President
Nick Hunter leads River City Mortgage with a commitment to accessible mortgage solutions. He oversees the leadership team that backs each pre-approval decision with decades of industry experience.
Theresa Bolin
CFO
Theresa Bolin manages financial operations with expertise in mortgage finance. She ensures the company maintains financial stability while offering competitive loan programs to diverse borrowers.
Timothy Hoy
EVP
Timothy Hoy provides executive leadership in mortgage operations. He focuses on maintaining high service standards across all loan programs while managing key business relationships.
Jessica Miller-Koopman
VP of Talent Development
Jessica Miller-Koopman builds our mortgage team culture with emphasis on accessibility and personalized service. She develops talent that aligns with the company's core values of communication and collaboration.
Questions
What loan programs do you offer?
We offer FHA, VA, conventional, physician, non-QM loans, and refinance options including FHA Streamline and VA IRRRL programs across 29 states.
Are you a direct lender?
Yes, we're a direct lender providing access to top mortgage programs while maintaining control over the loan process from application to closing.
How does the River City Seal of Approval work?
Our Seal of Approval strengthens purchase offers through endorsed pre-approvals with dedicated processing teams ensuring timely closings for homebuyers.
Do you offer physician loans?
Yes, we provide physician loans with 100% financing up to $750,000, no PMI requirements, and flexible terms for medical professionals.
Can I get a mortgage with non-traditional income?
We offer non-QM loans using alternative income verification methods like bank statements for self-employed borrowers and those with complex financial situations.
