Skip to main content Go to Mobile Online Banking Go to Online Banking for Desktop Browsers

REMINDER: Reward Visa Card holders must redeem their earned points before March 26th, 2023 (Sunday) when the Reward Program terminates. Your old Rewards card will also no longer be valid after March 26th. Visit our Credit Card Conversion page for complete details HERE. 

Real Estate Loans


Make Yourself at Home with a Ripco Mortgage

Buying a home can be complicated and stressful. We get it. The good news is that Ripco has made it our mission to walk you through the process and provide guidance every step of the way. Local decisions and lower fees only sweeten the deal.

Whether you’re looking to buy your family’s first house or it’s time to pull the trigger on your dream home, our mortgage loan experts are always happy to lend a helping hand!

  • Little or no money down
  • Options to fit your individual needs
  • Grants available to qualified buyers
  • Work with Local Lenders - Pay locally

Our Mortgage Loans

Because everyone’s situation is different, and not everyone has a large downpayment on hand, we offer options with no-money down or as little as 3%.  

We offer a couple mortgage loans to choose from: 

Fixed-Rate Mortgage Loans

Our most common real estate loans, fixed-rates mortgage loans maintain a set interest rate throughout the life of the loan.  We offer in-house options, but if we find it is better for a member in the long run, we can also finance the loan through Fannie Mae.

Rural Development Loans

Designed for first-time home owners, rural development loans allow individuals who meet certain criteria to purchase an existing home with no money down.

All rural development loans are financed through Fannie Mae, though your payments go through Ripco.


Inquire about getting pre-approved.


Home Affordability Calculator

HomeView Education Portal Link


Some content requires Adobe Acrobat Reader to view.