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Home Purchase

Home Purchase

Buying your first, or next home, is a life-long dream for many Americans, and thanks to the River City Seal of Approval, that dream just became a whole lot easier.

River City Seal of Approval

It all starts with an accepted offer.

The River City Mortgage Seal of Approval helps you get a pre-approval letter that will stand out in a crowd of other offers. Our leadership team backs each pre-approval, endorsed by our President, Nick Hunter.

From offer to closing, we provide:

  • An outstanding pre-approval letter issued for a specific property or maximum approved price
  • Excellent communication between real estate agent, homebuyer, seller, and title agent
  • Quick and efficient processing with closing on time, or even ahead of schedule

How it works

We’ve put together a process that is quick and easy to navigate so that you can shop for your dream house with confidence.


In less than one hour, a Seal of Approval decision with max purchase price will be issued. This is a senior level review completed by 1 of 5 senior leaders at RCM, who collectively have over 100 years of experience in mortgage. You can be sure that your pre-approval is solid gold!


TBD Locks:  You can lock your interest rate before you even find a new home (i.e. To Be Determined) for up to 90 days! Shop with the confidence that rising rates will not derail your price range or ability to make an aggressive offer. If rates drop before closing, you can take advantage of the lower market rate.

TBD Underwrite: You can also step right into underwriting, even before you find your home. This will save time downstream by squaring up any and all underwriting conditions even before you have an accepted offer.


Each new purchase loan is assigned to a dedicated processing team that includes a Concierge Loan Coordinator and Senior Purchase Loan Processor. The team, managed by our VP of Operations, partners with both you and your real estate agent to help navigate the purchase process.  This ensures a smooth process from start to finish with open communication and extensive experience with purchase loans.

From our initial concierge introduction to the pre-close call and funding notification, we have your back.  Our home purchase team is highly focused on offering speed, quality, and communication.


If you plan on buying a home in the future, learn more about conventional purchase, FHA, and VA loans. Do you have any questions about the home buying or mortgage pre-approval process, or are curious about how much of a mortgage you qualify for? Reach out to the licensed loan officers at River City Mortgage. 

It’s our mission to help you get into your dream home.

Let the River City Mortgage Seal of Approval help you secure your home faster than anyone else.

Start Your Application

or call us at (800) 631-6447