Welcome to RiversideHomeLoan Your Local Mortgage Partner

At RiversideHomeLoan.com, we’re not just lenders; we’re your neighbors.

Nestled in the heart of Riverside County, we specialize in making the dream of homeownership a reality. Our dedicated team understands that buying a home is more than just a transaction; it’s a life-changing experience. That’s why we’re committed to providing personalized, direct lending services that meet your unique needs.

Home Loan & Mortgage Products

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Empowering Your Home Buying Journey

As a direct mortgage lender, we offer a streamlined and transparent lending process, designed to ease the complexities of home financing. Our experienced professionals are here to guide you through every step, ensuring you make informed decisions.

We have 30+ years of experience. We offer an awesome home buying experience!

First Time Home Buyers
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Investment Property Home Loans
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Why Choose RiversideHomeLoan.com?

  • Local Expertise: Deep understanding of Riverside County’s real estate market.
  • Tailored Solutions: Customized mortgage options that fit your financial situation.
  • Personal Touch: Direct access to knowledgeable and friendly loan officers.
  • Efficient Process: Quick, straightforward, and hassle-free loan approvals.
  • Community Focus: Committed to the growth and well-being of our local neighborhoods.
For homeowners aged 62 and older. Converts home equity into cash without monthly mortgage payments
Do not meet Fannie Mae and Freddie Mac guidelines. Include jumbo loans and other unconventional loan types.
Home Equity Loans Lump sum borrowed against home equity. Fixed interest rate and monthly payments. Home Equity Lines of Credit (HELOCs) Revolving line of credit based on home equity. Variable interest rates and flexible borrowing.

🏡 Experience Our Home Loan Process 🏡

Our home loan process is designed to be straightforward and customer-centric, ensuring you have a smooth and informed experience from start to finish. It begins with a simple pre-qualification step where we assess your financial situation and help you understand your borrowing capacity. Next, our experienced loan officers guide you through selecting the best loan product tailored to your needs, whether it’s a fixed-rate mortgage, an adjustable-rate mortgage, or a government-backed loan. Once you’ve chosen your loan, we assist with gathering the necessary documentation and submitting your application for approval. Our team stays in close contact with you throughout the underwriting process, addressing any queries and keeping you updated on the status of your loan. Finally, we coordinate the closing process, ensuring all details are in order for a seamless settlement. Our goal is to make your home buying journey as stress-free as possible, with a focus on transparency, efficiency, and personalized service.

Fixed-Rate Mortgages (FRMs)
  • 30-Year Fixed-Rate Mortgage
    • Fixed interest rate for 30 years.
    • Stable monthly payments.
  • 15-Year Fixed-Rate Mortgage
    • Fixed interest rate for 15 years.
    • Higher monthly payments but less interest paid over the loan term.
  • 20-Year Fixed-Rate Mortgage
    • Fixed interest rate for 20 years.
    • Balanced option between 30-year and 15-year terms.
Adjustable-Rate Mortgages (ARMs)
  • 5/1 ARM
    • Fixed interest rate for the first 5 years.
    • Adjusts annually thereafter.
  • 7/1 ARM
    • Fixed interest rate for the first 7 years.
    • Adjusts annually thereafter.
  • 10/1 ARM
    • Fixed interest rate for the first 10 years.
    • Adjusts annually thereafter.
Government-Backed Loans
  • FHA Loans
    • Insured by the Federal Housing Administration.
    • Lower down payments and credit score requirements.
  • VA Loans
    • Available to veterans, service members, and their families.
    • No down payment required, guaranteed by the Department of Veterans Affairs.
  • USDA Loans
    • Available for rural homebuyers.
    • No down payment required, guaranteed by the United States Department of Agriculture
Jumbo Loans
  • For loan amounts exceeding conforming loan limits set by the Federal Housing Finance Agency (FHFA).
  • Higher interest rates and stricter qualification requirements.

What our client's says about us !

Start Your Home Journey Today

Whether you’re buying your first home, upgrading to a new one, or refinancing your current residence, RiversideHomeLoan.com is here to help you navigate the mortgage landscape with confidence. Let’s turn your home dreams into a Riverside reality!

Contact us today to get started or explore our website to learn more about our services.

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🎉 Satisfied Clients🎉

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🌟 Glowing Testimonials 🌟

Michael Willis Clients

Choosing a loan officer is never an easy task, but from the moment I started working with Michael Willis, I knew I was in capable hands. Michael isn't just an expert in his field; he is an advocate for his clients, putting their needs and aspirations at the forefront of his service. Right from our initial interaction, Michael demonstrated an unmatched level of professionalism and dedication. His knowledge of the industry is vast and clearly honed from years of experience, yet he has a remarkable ability to break down complex information into digestible insights, making the entire process seamless and comprehensible. Michael's customer service is nothing short of excellent. He takes the time to understand your unique financial landscape, crafting solutions that align perfectly with your goals. His response time is impressively fast, ensuring that all my queries were addressed promptly and thoroughly. But what sets Michael apart is his genuine passion for helping his clients. He doesn't just see numbers and figures; he sees the dreams and aspirations that fuel our financial choices, treating them with the respect and attention they deserve. His tailored approach meant that I felt heard and valued, not just another file on his desk. Furthermore, Michael leverages a rich network of industry contacts to facilitate smooth, expedited loan processes, often securing deals that far exceeded my expectations. His ability to negotiate and collaborate effectively speaks volumes about his standing and reputation in the industry. Working with Michael was not just a transaction; it was a partnership. His unwavering commitment to ensuring my satisfaction made me feel more like a valued partner than just a client. In a world where the right financial guidance is golden, Michael shines as a beacon of excellence, reliability, and genuine care. If you're in the market for a loan officer who goes beyond the call of duty to facilitate your financial dreams, look no further than Michael Willis. His service is not just a testament to his expertise, but a refreshing display of integrity and client-centered service in an industry that's often devoid of personal touch. In choosing Michael, you're not just securing a loan; you're investing in a brighter, more secure financial future guided by a true industry luminary.

Riverside Loan Insights | Blog

Your Gateway to Smart Home Financing!

Dive into the world of home loans and mortgages with a local twist. Here at Riverside Loan Insights, we bring you the latest trends, essential advice, and insider knowledge tailored for Riverside residents and beyond. Whether you’re a first-time buyer, a seasoned investor, or somewhere in between, our blog is your one-stop resource for practical tips, industry updates, and insightful analysis.

Our mission? To empower your home financing decisions with clarity and confidence. Join our community of savvy readers and navigate the ever-evolving mortgage landscape like a pro. We’re not just about numbers; we’re about nurturing your journey towards your dream home.

Riverside Loan Insights | Blog​

Where local expertise meets financial wisdom.

Contact and reach us for further information !

Looking to buy your dream home or refinance your current mortgage? Look no further than Riverside Home Loan! Our dedicated team of experts is here to make your home financing journey as smooth and rewarding as possible. With our extensive knowledge, personalized service, and competitive rates, we are your best choice for mortgage lending. Whether you’re a first-time buyer eager to step into your new home or a homeowner seeking to optimize your financial situation through refinancing, we’ve got you covered. Give us a call today to discover why so many satisfied customers trust Riverside Home Loan. Let us help you turn your homeownership dreams into reality with ease and confidence!

Have Any Questions?

+1-858-566-7233

Visit Our Vibrant Corporate Office in San Diego :

Welcome to our bustling hub in sunny San Diego, California! Nestled in the heart of this vibrant city, our corporate office is where the magic happens. From the moment you step through our doors, you’ll be greeted by our warm and enthusiastic team, ready to assist you with all your home loan needs. Whether you’re meeting with our expert loan officers, attending a workshop, or just stopping by to say hello, you’ll experience the energy and dedication that sets Riverside Home Loan apart. Surrounded by beautiful beaches, scenic views, and the lively San Diego spirit, our office is not just a place of business—it’s a place where dreams come to life. Come visit us and see how we can help make your homeownership dreams a reality!

Welcome to Our Riverside Office :

Our Riverside office stands as a beacon of excellence and dedication in the home loan industry. Strategically located to serve the Inland Empire and beyond, this office is staffed by a team of seasoned professionals committed to providing exceptional service and tailored solutions for your home financing needs. At Riverside Home Loan, we understand the unique dynamics of the local real estate market and leverage our expertise to guide you through every step of the loan process. Whether you’re a first-time buyer or looking to refinance, our Riverside team is here to offer personalized assistance and ensure a seamless, stress-free experience. Visit us today and discover the Riverside Home Loan difference.

Work with best Home Loan team !