I wanted to let you know that your client walked in today and immediately said how wonderful you guys were to work with and how much she enjoyed the transaction - Sherry Parker, Preferred Title

You and your staff did such a wonderful job with our refinance.  It went as smooth as we could have possibly imagined.  We already have and will continue to recommend you to anyone we know looking to refinance - Jennifer.

    Hi, I am Deb Vallow

River City Mortgage is an Equal Housing Lender.  Not available in all states.  See Licensing at www.nmlsconsumeraccess.org

 Deborah Vallow | NMLS ID #222278
Regional Manager – Western Division
Cell: 804-363-5279

River City Mortgage | NMLS #142954
4555 Lake Forest Dr. Suite 450
Cincinnati, OH 45242

Let me help you find the best mortgage for your needs, whether you are purchasing a home, refinancing your current home or looking to get a little cash out to update your house or pay off debt. 

Call me at 804.363.5279 or email me at


Typical items needed for the loan:

  • 2 years W2s
  • 2 months of bank statements
  • 1 month of pay stubs
  • tax returns if you are self employed or have rental properties
  • name of your insurance agent
  • copies of your drivers licenses
  • copy of mortgage statement (s) if refinancing

Whether you are a first time homebuyer, or looking to refinance, let me put my knowledge and experience to work for you.

I pride myself on delivering exceptional service to each of you and enjoy guiding people through the often confusing mix of numbers, rates and terms.

I look forward to delivering your best mortgage loan option and experience.