Unlock the Best Home Loan for You
Speak with a mortgage expert to find the perfect financing solution
Know Your Options & Get Pre-Approved with Our Quick & Easy Tools
Get your FREE Pre−Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
Get your FREE Pre−Approval Letter
Find out how much home you can afford by getting pre-approved for your next home loan now.
Get Started NowAnalyze Your Refinance Options
This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
Analyze Your Refinance Options
This free calculator crunches the numbers for you. Find out exactly how much money you can save by refinancing.
RefinanceCompare Today's Mortgage Rates
Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.
Compare Today's Mortgage Rates
Browse today's rate comparisons to see which individual mortgage terms make the most sense for you.
Get Started Now6 Ways We Help You Lock in Lower Rates
Let our experienced team of Mortgage Advisors guide you through the buying or refinancing process quickly, efficiently, and confidently.
Secure Your Home Purchase Loans
Rates are competitive — so it’s a great time to buy! We’ll help you apply for, compare, and choose a home purchase loan that makes your dream home an affordable reality.
Refinance for Better Rates
Take advantage of today’s great terms to significantly lower your monthly payment, the interest you pay over the life of your loan, or both. How will you use the money we put back in your pocket?
Compare Rates & Pick the Best
You wouldn’t accept the first offer at the car lot, so don’t just take your first mortgage offer. Use our rate comparison tool to shop around and find the terms that work best for you.
Get Your Loan Funded Faster
Other lenders giving you the runaround? Our fast funding options mean you’ll never miss out on the house you really want.
Evaluate Your Property
Know where you stand. With your up-to-date property evaluation in hand, you’ll be better equipped to choose the loan terms that fit your goals.
Get a Cash-Out Refinance
Take advantage of your home’s equity with a cash-out refinance — and put your home loan to
work for you.
Your Home Loan Could Be
Fully Funded 30 Days From Now
Get fast, custom loan quotes to compare. Fill out our streamlined, 100% online loan application. Move through the approval process quickly and seamlessly. When you work with River Fox Lending for your home loan or refinance, you can get your money and do what you want with it - usually in less than 30 days..
Pick the Right Home Purchase Loan for You
Becoming a homeowner all depends on finding the best possible loan scenario for your unique situation. We’re here to help you make that choice.
Accomplish Your Strategic Refinance
Want some financial wiggle room? Planning to upgrade your home? We’ll help you choose a refinance rate that saves you meaningful money. What you do with it is up to you.
Shop Around for the Best Rate
As the potential homeowner, YOU hold all the power. Before signing your first loan offer, browse our rate comparisons to make sure you’re getting the best deal and the right-fit terms.
I found Kristin not only knowledgable and professional regarding the mortgage application process, but also enjoyable and personable to work with. She quickly returned both emails and voicemails and kept us updated as to the progress. At closing thing could not have gone more smoothly or quickly. You really can’t ask for more than that from your loan office. Two thumbs up!William Cragg
Kristin is an absolute gem if you are looking to secure a mortgage in the Richmond area. Knowledgable, responsive, and friendly she was always available for questions and creative solutions to get us the best possible rate. We really enjoyed working with her and will continue to utilize her for future financing needs.Marissa Yorkshire
My wife and I have been purchasing homes for over 35 years and without a doubt Kristin made the process the easiest it’s ever been. She is organized, detailed and conscientious. She consistently amazed us by her ability to anticipate my questions and concerns and streamline our application to a speedy and excellent outcome. She was in contact with us often and made us feel as if we were the most important client she has. What a great experience. I highly recommend working with Kristin O’Neil.Jim and Beth Ann from Richmond, VA
Get Your Mortgage Rate Quote in Just 30 Seconds!
Mortgage rates change every day, and your rate will vary based on your location,
finances, and other factors. Get your FREE customized rate comparison below: