Mortgage Savvy Sonya

05/05/2026

Not every deal is easy… and that’s exactly where I do my best work.

First-time buyers ✔️
Investment properties ✔️
Unique situations where other lenders say “no” ✔️

These are just a couple recent clients I had the opportunity to help- each with very different scenarios, but both successfully closed.

If you’ve been told “it can’t be done,” I’d love to take a look!

📩 Message me anytime
616-278-0576
[email protected]

02/16/2026

From 2020 City Living to 2026 Savvy Saving (without leaving the house!) 🏠💻

In 2020, I met a wonderful couple buying their first home in Grand Rapids. No kids yet, just big dreams and a great recommendation from a realtor friend.

Fast forward to Nov 2024: Life grew! They needed more space and a backyard in Rockford for their one-year-old. Rates were over 7% at that time, but they didn't let that stop them. They trusted the plan: "Marry the house, date the rate."

Fast forward to Feb 2026: That patience just paid off. We officially hit the "refinance button" and the results are huge:

Rate Drop: Reduced by 1.25%
Monthly Savings: $355.34 back in their pocket.
Year 1 Interest Savings: A staggering $4,443.88.

The coolest part? They didn't even have to find a babysitter or leave their living room. We did a 100% Virtual Closing with an online notary. In an industry that still loves its paperwork and office visits, being able to sign your final docs from your laptop is a total game-changer.

The Strategy: Don't let a temporary rate keep you from the home your family needs today. You can always change the "rate" later!

Question: If you could skip the drive to the title office and save $350/month from your couch, would you do it? 👇

DM me to schedule a Refinance Strategy call.
616-278-0576
Sonya@riverbank finance.com
Licensed in Michigan & FL
DSCR / Investor loans- Nationwide
NMLS: 1628671

11/11/2025

11/11/2025

🏡 Thinking of making homeownership more affordable?
Check out our latest blog: “The 50-Year Mortgage. Is a Longer Loan Better?” → https://riverbankfinance.com/blog/the-50-year-mortgage-is-a-longer-loan-better/

📍 Whether you’re in Michigan or Florida, this article walks you through:
✅ How a 50-year term can lower monthly payments
⚠️ The trade-offs: slower equity build-up, more interest over time
🔍 What to ask your lender if this option is on the table

If you’re a first-time buyer, investor, or simply want flexibility in your budget — this one’s for you.
I’d love to talk through whether a longer-term mortgage makes sense in your market and your unique situation.

👉 Ready to explore? Drop me a message, comment below or send me a DM.
Let’s make your home-ownership journey a smart one.

Sonya Dody - Riverbank Finance LLC
Mortgage Loan Officer
616-278-0576
[email protected]

How a 50 year mortgage works, who it’s for, pros & cons, rate comparisons, qualification tips and home loan alternatives. Is a 50 year mortgage right for you?

10/28/2025

Now that the busyness of summer is behind us — and before the holidays sneak up — this might be the perfect window to take a look at your current mortgage.

The 10-year Treasury rate is the lowest it’s been in quite some time, which means refinance opportunities are opening back up. Whether your goal is to:

Lower your monthly payment 💰

Pay off your home faster ⏱️

Access cash for home improvements, debt payoff, or investments 🏡

…this could be a great time to run the numbers and see how much you could save each month.

There’s no commitment — I can put together a quick comparison using your current balance and interest rate to show if refinancing makes sense.

Your Loan Officer- Sonya Dody
Riverbank Finance
616-278-0576
[email protected]
NMLS: 1628671

10/20/2025

Happy Monday!

10/14/2025

🎉 Congratulations to Jessica and her family! 🏡
They just moved into their new home with $0 out of pocket using an FHA Down Payment Assistance Program with Riverbank Finance! 🙌
Jessica was able to say goodbye to her condo (and those $500+ monthly HOA fees 😅) — saving her family big money each month!
A huge thank-you to Jeff Strickling - Keller Williams Realty - Your Favorite Agent Keller Williams Realty Lansing for making the move seamless and helping secure the perfect home. The beautiful fall weather this weekend made it all even better. 🍁
So happy for this amazing family — congratulations again! 💛🏠
MichiganHomeLoans

06/25/2025

🎉 Congratulations to our First-Time Home Buyers, Jarrett & Jennee!
Not only are they celebrating their new home in Grandville, but they’re also getting married this October — what an exciting year ahead! 🏡💍

A huge thanks to Robin Morren with 616 Realty for helping them find the perfect home at a great price!