I recently used River City Mortgage for a mortgage on an investment property. They beat other lenders in rates. Heather Witt was incredible to work with. I needed a quick close, and she went out of her way to ensure we met our timeline. Her communication throughout the process was great, and she was quick to answer any questions or concerns I had. River City Mortgage will be my first contact the next time we need a loan. The personalized cutting board was a surprise, thank you! read more

I would not trust this company. From start to finish there were many red flags that I kept overlooking due to my situation and application being a tough loan to approve. I continued as I had invested so much time! I started with one loan officer who became aggressive verbally because I had legit questions about my loan that he didn't want to answer. He drove to my home yelling at me in front of my daughter outside of my car, then left driving quickly and yelling all the way up the street! I was then assigned a new loan officer who was very professional and polite the entire process UNTIL 3 weeks ago. I closed on my home 4/28 and moved in 5/1/ 2023. I am shocked and disappointed with certain companies who take advantage of their clients. I am sure it happens more than many realize. To make a very long situation as short as possible, the home I bought was a new build and the prior owner had only lived in it a little over a year, and since property taxes are 1 year behind, he was only paying for land. Dan Hunter assured me that they would access my property taxes as close as possible and between Title and River City not doing their job just to get a sale closed, I am now in a terrible spot due to a huge escrow shortage of 3213.59 and a increased payment of $480.81. Dan and I had several text messages and all he could do is blame the title company. This is unacceptable. I spoke to my mortgage company to where I pay my monthly payment, a real estate attorney, and other companies who are now trying to help me and I have heard the term " predatory lending" multiple times. I spoke with Dan on the phone hysterically crying and he mentioned they would try to help me, even if it meant they didn't make a penny lol, but next thing I know I am blocked from his cell. I called River City directly and ask to speak to Nick Hunter (his son) the owner 6 times. I was told he wasn't in the office, which was a lie. I ask for calls back, which I never received. There is nothing in writing stating that my payment would increase by almost 500.00. I even received a surplus check 3 months after I moved in from Carrington. I ask my mortgage company and Dan about it. I was told to cash it, even though Dan now says that he didn't tell me that. I even talked to the county auditor in Warren county and they said I should have already applied for an owner occupancy discount; which I knew nothing about. They stated that River City should have told me this. Oh and did I mention, that before I even knew that I had an escrow shortage, Dan had text me twice in a 2 week period and was incredibly pushing about doing a refinance for me. The rates he gave me are not found by one mortgage company. I was told, it is a way of these companies selling re fi's by buying points. I was about to get taken advantage of again. Every company I have spoken to states that River City needs to be ethical and make this right and to report them to BBB. I gave them every opportunity to fix this and keep me as a client, and they did not. What company blocks a client and the owner won't get on the phone nor return a call? I would say one with a guilty conscious. Run from this company!!!!!!!!!!! read more

Amanda Stubblefield was super helpful with a refinancing. She went above and beyond to communicate and update us. She would get involved to clear up any issues that were beginning to hold up the process. Super easy and smooth. Frank read more

Loan Officer was Denise Powell. I was skeptical at first but glad I found her. Denise is a professional who works for her customers to meet their needs not just for a commission. She is not satisfied until you are. Highly recommended and look forward to the next time I need to buy or refinance. read more

Worked with them twice now. Second round was a bumpy ride (pandemic related) and Josh stayed it! I will be using them again.

This business discriminates against people with disabilities. I applied for a position, got a call back from Patty. Upon her hearing my voice, that is soft and raspy due to a car accident that left me with 1 vocal chord, asks if she woke me and what was wrong with me. Then says to me "I was just calling to see if you were still looking. Call me after 1:00 to discuss the interview." I called back and she says "the position is filled." This is an illegal act Patty and the business, for employing such ignorance,should be held accountable!!! read more

River City Mortgage has a great bunch of people who really know what they are talking about. They are super accessible and we're very willing to help me under the circumstances I was in. I will use River City for all of my mortgage needs. Great job everyone! read more

Steve Santa was great. He was able to get through the home buying process electronically. We now have the home of our dreams thanks to Steve Santa. read more

I recently refinanced my mortgage with River City Mortgage and worked with Steve Santa. Steve was fantastic to work with and made the entire process super easy. Steve was very knowledgeable, professional and responsive during the entire process. I highly recommend Steve and River City Mortgage. read more

I recently did a refinance with them and everything went well except the fact that the $1500.00 I had to put up, up front was never given back to me by the previous lender for escrow. I was told by river city that I would get a check from them because of the escrow account. I was lied to plain and simple. Don't trust what they tell you unless you get it in writing. I should have know better than to trust a person in the mortgage business. I'm pretty sure they will use the same tactic on someone in the future that's why I'm writing this and plan on writing just as many reviews as I can put on the web. Don't mislead your clients and especially don't tell them a out right lie! That is all. read more

Called them twice. They have yet to even bother to return my call. Very poor way to do business.