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Home Mortgage

Mortgages

There is nothing in your life as valuable — or personal — as your home. It’s the focal point of your family and the realization of your dream. At River City Bank, we value the idea of home ownership as much as you do, and we’ve introduced an entirely new level of customer focus to the home-ownership journey.

Whether you’re looking to refinance or remodel, you can count on River City Bank to make the entire mortgage process personalized and satisfying. As the largest locally-owned bank in the region, our decisions are all made right here at our Sacramento headquarters. This means that, in addition to peerless service, you’ll enjoy the fastest possible credit decision. It’s a combination you won’t find anywhere else.

For current rates or to apply, please contact us at (916) 567-2755.

Mortgage Loan Applications are accepted from residents of, with properties located in, the following Counties of the State of California:  Sacramento, Yolo, Placer, El Dorado, and Contra Costa.

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Loan Programs

Fixed-Rate Mortgages*
Enjoy peace of mind knowing that your monthly payments will not increase. We offer flexible fixed-rate mortgage terms and programs for owner-occupied refinance requests.

Jumbo Loans*
This program allows you to borrow increased loan amounts above the conforming limits for owner-occupied refinance requests.

*Subject to credit application and approval.

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Mobile & Online Banking solutions so you can bank anytime, anywhere.

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Discover what the right loan can do

At River City Bank, we offer real estate loan programs and terms to fit your budget and your unique needs. Plus you can count on us to provide you with the highest quality of customer service to make your home refinance a positive experience.  

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NMLS Registry Information for River City Bank Mortgage Loan Originators

The NMLS ID is a unique identification number that is issued by the Nationwide Licensing System and Registry (NMLS) to each Mortgage Loan Originator (MLO).

River City Bank Mortgage Loan Originator Information

  • Jennifer E. Tatum  445902
  • Janette Moynier  741270
  • Carolyn Turner 1113157
  • Donna Sutherland  1782319
  • Amanda Semeryuk 1872292
  • Lauren Falk 2054021
  • River City Bank  442786

Consumer Mortgage & Equity Assistance

Consumer Mortgage & Equity Assistance

If you are experiencing financial hardship or foresee difficulty in managing future payments, we may have options to assist you.  For more information please call us Monday thru Friday from 8:00 am to 5:00 pm PST at (916) 567-2755 or (800) 564-7144.  You may also reach us by email at [email protected].

Sacramento Housing & Redevelopment Agency

The SHRA offers a list of resources with links to agencies that can provide counseling and additional helpful information if you are facing default or foreclosure on your mortgage loan. Click to view the SHRA website.

U.S. Department of Housing and Urban Development

HUD’s (U.S. Department of Housing and Urban Development) mission is to increase home ownership, support community development and increase access to affordable housing free from discrimination. To fulfill this mission, HUD will embrace high standards of ethics, management, and accountability and forge new partnerships–particularly with faith-based and community organizations–that leverage resources and improve HUD’s ability to be effective on the community level.

To find a HUD-certified housing counseling agency, call (800) 569-4287 or search for a HUD Approved Housing Counseling Agency online.

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  • About
    • Vision & Values
    • Leadership
    • Board Of Directors
    • News
      • Blog
      • Press Releases
    • Community Involvement
    • Testimonials
  • Business
    • Industries
      • Agribusiness
      • Construction
      • Healthcare
      • Manufacturing & Distribution
      • Nonprofit
      • Professional Services
      • Property Management
      • Representative Payee
    • Deposit Services
    • Cash Management
    • Commercial Lending
    • Commercial Online Banking
    • Commercial Real Estate
    • Clean Energy
    • Lockbox Services
    • Business Credit Card
    • Business Debit Mastercard
  • Personal
    • Premier Banking
    • Checking and Savings
    • Online & Mobile Banking
    • Loans
    • Home Mortgage
    • Debit Mastercard
  • Resources
    • FAQs + Customer Notices
    • Safety & Security
    • Annual Reports
    • Paycheck Protection Program Resources
    • Coronavirus (COVID-19) Impact + Readiness
  • Careers
  • Contact
  • Login
    • Personal Online Banking
    • Commercial Online Banking
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