At River City Bank, we understand your home is one of the largest financial commitments you will ever make. Whether you are purchasing, building or simply refinancing, our mission is to personally guide you through the process of making your dreams a reality.

Fixed Rate Mortgages

Fixed rate mortgages provide homeowners with an interest rate that remains the same throughout the life of the loan. Consistent principal and interest payments allow you to accurately plan your budget. We offer a full range of fixed rate mortgage loans with a variety of terms.

Adjustable Rate Mortgages

An adjustable rate mortgage (ARM) offers a low initial interest rate and monthly payment. The rate and payment are initially fixed for a period of one, three, five, seven or ten years with annual adjustments thereafter based on an index such as the yield on U.S. Treasury Securities. Depending on market conditions, your adjusted rate may be higher or lower than your initial rate, but all of our ARMs have periodic and lifetime rate caps to help you plan your payments.

Affordable Housing Loans & Rural Development

With the lowest down payment available, these government insured and guaranteed mortgages are ideal for first time homebuyers. We offer competitive rates and terms on FHA, VA and Rural Development loans.


Kathi Watson, Mortgage Specialist
NMLS# 1502758
Ph: (706) 236-3534