Residential Loan Offerings

Applying for a mortgage loan means you’re preparing to make a big decision in your near future. We want to ensure that you are informed and ready every step of the way. 

Purchase

Buying a home is a big life decision and the process of applying for and taking out a mortgage loan can seem pretty intimidating. At Richwood Bank, we offer a wide variety of mortgage options to help you buy a home based on your specific needs. So, whether this is your first home or one of several, we will be by your side every step of the way to make the process seamless and easy.

Refinance

Looking to lower your monthly payment, pay off your mortgage sooner, convert to a fixed rate, or even tap into your home’s equity to get cash out for a big purchase? A mortgage refinance might be the right fit for you.

Home Equity Loan

Put your house to work for you—use the equity you have in your home to get financing for your next big purchase or project or even consolidate some debts. From paying off credit cards to building that deck you always wanted, your dreams can become a reality. Loans are based on your home’s value and lines of credit. Installment loans are also available.

Land Loan

Can’t find that ideal house to buy but have found the perfect lot to build on and you want to secure it for the future? Let us help. We offer lot loans to qualified buyers that are tailored to your needs. So whether you are building in five months or five years, we can help turn your dream into a reality.

Construction Loan

Whether you are building on land you already own or are buying land now, using a famous contractor or a small town company – we have options for you. We can’t control the weather or the labor that goes into constructing your dream home, but we can make the financial progression as effortless for you as possible.

Manufactured Home

Financing can be challenging for any homeowner, and this is especially true when it comes to mobile and manufactured homes. Whether you are purchasing a mobile home that sits in a community or a home that is permanently installed on foundation, we may be able to help.

Together We Build Dreams

Questions?

We’ve compiled a list of frequently asked questions about mortgages. If you don’t find the answers you need there, call or stop by your local branch and we’ll be happy to help.

home-building

Stress Less

We can't control the weather or the labor that goes into constructing your dream home, but we can make the financial progression as seamless and effortless for you as possible. Our expert home team can guide you from land to love.

Raising The Roof

When your contractor is ready to have building stages inspected, our expert team goes on site to meet with them and approve it. No red tape provided and you are consulted every step of the way.

Saving Time and Trees

We think all the paperwork that comes with financing your new dream home should be completed while you’re waiting for the build process to be finished – not while you’re packing. We create a one-time closing event during the construction phase – and lock in your rate.

Happy Builders, Happy Homeowners

We can transfer approved draw funds directly when available to save even more time! If not, we will still expedite contractor checks quickly because we know you want to keep timelines moving.

The “E” Team

Depending on the elements, dimensions and contractor variables, a new house can take up to a year. That’s a lot of in-between time to worry and wonder. If you would like Education, Encouragement or Explanations throughout the entire process, we’ve got you covered!

Meet Our Residential Lending Team

The process of applying for and taking out a mortgage loan can seem intimidating, but at Richwood Bank we want to make sure your experience is seamless. Whether this is your first home or one of several, we will be by your side to make the process easy, and yes, even fun!

Tiffany-wood

Tiffany Wood

Where to begin with this exceptional individual at our Marysville branch… She is the type of person that knows no stranger. Want to feel like you have a friend on your side? Tiffany is your gal. Her first position in the lending world was as an assistant processor nearly two decades ago. She has processed, originated and underwritten many loans. Everyone knows it can be a scary process, but working with Tiffany is sure to be a positive experience. As the leader of the leader of the residential team, she knows how to determine what is best for your family.
Apply Now with Tiffany!
Alexis-johnston

Alexis Johnston

So why should you visit Alexis Johnston for your next loan? She is enthusiastic about her employer, community, and career! Growing up in Logan County, she is familiar with the people and the community and loves to be a part of it all. She would appreciate the chance to work with you. She enjoys talking to people and helping them find the perfect loan for their specific needs.
Apply Now with Alexis!
bruce-bullerman

Bruce Bullerman

Apply Now with Bruce!
Katie-beeney

Katie Beeney

Katie can relate to younger borrowers and first-time home buyers. She knows the process can be overwhelming, but loves to help customers every step of the way. Katie graduated from The Ohio State University with a degree in agribusiness and applied economics. She specializes in agricultural, consumer and commercial loans.
Apply Now with Kaite!

Cheryl Hesson

Meet Cheryl. She firmly believes in cultivating relationships with compassion and helping people with diverse situations achieve their dreams. By combining her “people matter” mentality and 45 years of banking experience, she’ll help you navigate the entire Mortgage, Consumer or Small Commercial Loan process.

Outside of the office, Cheryl spends time with her family and friends, gardens, and enjoys attending her granddaughter’s sporting events.

Apply Now with Cheryl!

If you can dream it, we can finance it.

How can Richwood Bank help you pursue your adventure? Contact us to see how our experienced loan officers can start the process!