Well hello!

Thanks for stopping by. If you're about to purchase a home, we are pumped for you! We can offer you lower rates on your mortgage than any of our competitors. 

Are you paying way too much in interest and thinking about refinancing your current mortgage? We can help with that too.

As mortgage brokers, we are different than a bank.  We look at as many lenders as it takes to get you the lowest rates and lowest fees on your mortgage.  Call us or email us today! 


Quick Overview

At Two Rivers Mortgage Company, we offer any mortgage product that is available in the market at competitive rates. The below list is just a summary of what we offer, but it does not represent our complete mortgage product line. Give us a call and let us know what your situation is and what your goals are for buying your home or investment property and we’ll tailor a solution just for you.


First-time homebuyers can utilize a conventional mortgage with as low as 3% down with a 620 score. If it’s not your first-time and you plan to occupy your home, you can put as little as 5% down.


For qualifying incomes and qualifying areas, you may qualify for a 0% down payment with credit scores as low as 600.


Utilize a FHA mortgage for a 3.5% down payment and credit scores as low as 580.


For qualifying borrowers, you can qualify for a 0% down payment with credit scores as low as 580.


We have many programs available that do not qualify you based on your tax returns. Inquire for more information.


We have programs available for more than the standard maximum allowed properties. As low as 15% down on conventional non-owner occupied purchases.


A little about us. 

Two Rivers Mortgage Company, Inc. is located in beautiful and historic downtown Ottawa, Illinois (600 Columbus St).

We are here for you during normal business hours, but we understand you are working too and those hours aren't always convenient. If you need to meet us earlier or later, just let us know and we'll be more than happy to accommodate. We'll even make you a cup of coffee. 

If you're not from around the Illinois Valley  area, we are more than happy to work with you through phone and email anywhere in the State of Illinois. 


"If you want a mortgage company who not only works with you but cares about you this is the place. The wonderful people at Two Rivers Mortgage company made the refinancing of my home smooth and easy. I would never go to another mortgage company. These guys are simply the best in the business."

"Aaron gets the job done I would highly recommend them."

"Aaron and his team are amazing, extremely hard working and dedicated to their clients. When I first contacted them, I had no idea what to do expect. They were so patient and helpful in explaining the process, and prompt in getting back to me. I followed their guidance and am proud to call myself a homeowner today! I could not have done it without them. I highly recommend everyone give them a call!!!! Thank you Aaron, Art and Demi for all your hard work!!!!”

“2 Rivers Mortgage made purchasing a new home so much easier than the first time we did it with a bank. It was also less expensive since there wasn't an application fee. They were great from start to finish”

“Two River's is simply amazing. I called several banks and was forced to leave messages with them and hope for calls back. Aaron answered on the second ring and I had an appointment with him and Art for the very next day! They were straight with me about my finances and what I could afford and what to expect. Aaron and Demi were quick to answer every time I called or emailed, even pretty late at night when I wasn't expecting a response until normal business hours the next day. They got me into my very first house and I really could not be happier with my new home or the service they gave me!”

“I can't thank Aaron and his team enough for what they did for me. I first reached out to him last fall needing advice on my credit and making my dream of owning a home come true. By the following summer I was a home owner! He gets the job done. They did not leave one question unanswered and always made me feel valued. I would recommend Two Rivers to anyone!”

“Very helpful and great to work with!!! Would highly recommend!!”

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