Mortgage Loans: building, buying or refinancing your existing home is probably one of the most important financial decisions you’ll ever make. Whether this is your first home, or your third, mortgage options are numerous.  With that in mind, we know you’ll want an experienced Mortgage Lender to walk you through the process and make sure you get the program that’s right for you. That’s why we’re here. We offer a variety of loan programs including; Construction to Perm, Low to No Down Payment, Conventional and Non-Conventional, Interest Only Programs, as well as Adjustable Rate Mortgages.  Stop by and ask for Lisa Hertaus today!

Home Equity Lines of Credit: a Line of Credit that provides you with the peace of mind and convenience of a loan on demand. Your credit line is pre-approved. It’s there for you when you need it. And, access is always easy. Simply pick up the phone and transfer funds to your checking account, write a check, or use your Riverland ATM/Debit Card in excess of your current checking account balance, the funds will automatically transfer for you. You’ll never have to pay an overdraft fee again!

Ready Reserve Loan: forget your worries about being overdrawn! When a check is presented against insufficient funds in your checking account, we will automatically transfer money from your Ready Reserve, saving you the expense and headaches of returned checks.

• Unsecured Line of Credit up to $5,000.00
• Fixed rate of interest
• Automatic payments from your Riverland Bank Account

Installment Loans: offer flexible repayment terms to fit your budget, and a guaranteed fixed rate of interest. Installment Loans can be used for a variety of reasons: a new car, vacation, college expenses, or any other major purchase. Application is easy, in person or by phone, and you’ll save on interest expense when you automatically deduct your payments from your Riverland Bank Account. Installment Loans secured by the equity in your home are subject to closing costs and other fees, and may offer certain tax advantages (Consult your tax advisor for details).