Build your homebuying plan.
Talk through timing, documentation and the costs to compare.
Explore my options →A FAMILY BROKERAGE. A PERSONAL APPROACH.
Your next home.
Your own path.
Buying a home comes with big questions. We’ll help you understand your mortgage options and take the next step with a clear plan.
Just exploring? You’re in the right place.
A next step that fits you.
Start a conversation, explore a payment, or move into your application.
Explore a monthly payment.
Try an illustrative estimate with taxes, insurance and HOA dues.
Open the calculator →Start your application.
Use River Bear’s secure ARIVE portal and choose your loan officer.
Let’s get started →Family brokeragePurchase & refinance guidanceNMLS #2535144
Where would you
like to begin?
Your goals come first. Choose a starting point, and we’ll help you work through the details.
Make your next move.
First home or next home, explore conventional and FHA financing with your budget in mind.
Plan my purchase ↗Understand your benefit.
Explore how VA financing could fit your plans, with guidance on eligibility and the steps ahead.
Explore VA loans ↗See what’s possible.
Talk through a refinance or home equity line of credit in the context of your costs and goals.
Discuss my options ↗MEET THE PEOPLE BEHIND THE PLAN
A family brokerage.
A team in your corner.
Get to know Buck and the people who make River Bear personal.
Meet the team ↗
Buck McLamb
Ian Keber
David James Wilson
Riaan
Ralph Govea
Jason Moore
Clendi Villar
Joey Castillo
Shea Mworia
Katrina HickersonTHE RIVER BEAR APPROACH
A mortgage is personal.
So is our approach.
We’re a family brokerage built around straightforward conversations and individual attention. Tell us what matters to you. We’ll help you make sense of the choices.
Get to know your options- 01
We start by listening.
Your timeline, your questions, and the payment you’re comfortable with.
- 02
We explain the tradeoffs.
Look at loan structure, upfront costs, and the longer-term picture together.
- 03
We map out your next step.
From an early conversation to an application, you’ll know where to begin.
More ways to move forward.
Start with your goal. We’ll discuss which financing options may fit.
Self-employed? Let’s talk about your business.
Explore income documentation and how to prepare for a home loan conversation.
START WITH THE BASICS
Your homebuying conversation checklist.
Six questions to help you prepare for a useful first conversation.
A little clarity goes a long way.
Do I need to know which loan I want?
No. Start with your goals and questions. We can discuss the differences between available programs and what to consider.
Can I talk with someone before applying?
Yes. Start with a purchase or refinance inquiry, call our team, or request a conversation. The secure application is a separate next step.
What if I’m self-employed?
Tell us about your situation when we talk. Income documentation and loan requirements vary. Keep tax returns and financial records for the secure application process; don’t put them in an inquiry form.
A property. A purpose. A financing plan.
Explore River Bear’s commercial financing guides, local property resources, and practical articles for business owners and investors.
Explore commercial financing →Before you sell investments to avoid PMI
Buck McLamb compares three down-payment strategies, including a first-and-second mortgage piggyback.
Read Buck’s comparison →