Cash Flow Loans

CASH FLOW
KNOWS MORE.

Find out what yours can do.

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No hard credit pull to explore. No paperwork to get started.

Ability to Pay®

You are more than a credit score.

RIKI analyzes what traditional credit can miss.

  • Income.
  • Rent history.
  • Monthly obligations.
  • Residual cash flow.
  • Financial stability.

One secure connection creates your personalized RIKI Score™ and Ability to Pay®.

Discover my borrowing power

RIKI Loan Center

What do you want your money to do?

Start with your goal. RIKI helps you understand your borrowing power and the loan options that may fit your real financial life.

Homebuyers at their new home
Buy

Buy a home

Turn income, rent history and responsible cash flow into a path toward ownership.

Explore home loans
Improve

Refinance my mortgage

Explore a different rate, term, payment or cash-out opportunity.

Explore refinancing

Find your path

Explore the Loan Center

Choose a goal to narrow your options
Home purchase

Buy a home

Turn consistent rent and responsible cash flow into a path toward ownership.

Start buying. Stop renting.Home purchase

Conventional

Flexible financing for qualified homebuyers.

Make your cash flow count.Home purchase

FHA

A more accessible path with lower down-payment options.

Your first home may be closer than you think.Home purchase

VA

Special opportunities for eligible veterans, service members and military families.

You served. Now let your benefits serve you.Home purchase

Jumbo

Financing designed for homes above conventional loan limits.

Bigger home. Smarter financing.Home purchase

Fixed-rate

A consistent interest rate and predictable principal-and-interest payment.

Lock in certainty.Home purchase

Adjustable-rate

Potentially lower initial payments for buyers with shorter-term plans.

More flexibility. More possibilities.Home purchase

Renovation

Finance the home and eligible improvements together.

Buy the possibility. Build the home.Refinance

Refinance

Explore opportunities to change your rate, term or monthly payment.

Put your mortgage to work for you.Refinance

Cash-out refinance

Convert available home equity into usable cash.

Your equity. Your opportunity.Home equity

Home equity

Access a lump sum for major expenses or debt consolidation.

The cash you need may already be in your home.Home equity

HELOC

Access equity through a flexible, reusable line of credit.

Use what you need. When you need it.Personal lending

Personal

Explore financing based on your broader financial picture.

Real cash flow. Real borrowing power.

Ready to see what you can afford?

Know more.
Borrow smarter.

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How RIKI works

Four steps.
One clearer path.

1

Connect

Securely connect your bank account.

2

Discover

See your RIKI Score™, verified cash flow and estimated borrowing power.

3

Match

Explore loan options aligned with your financial profile.

4

Apply

Choose your loan and continue with a licensed lending professional.

Fast. Secure. No hard credit pull to explore.

Let your real financial life speak.

RIKI for iPhone and Android

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