About River Flow Funding
A borrower-focused company dedicated to helping homeowners find resolution — not adding to their stress.
Our Mission
River Flow Funding was founded on a straightforward belief: homeowners deserve a direct, respectful conversation about their options — not a form letter or an automated phone system. When you contact us, one of our experienced representatives will be dedicated personally to your case from first contact through final resolution.
When a mortgage loan falls into default, homeowners often feel overwhelmed, uncertain about who owns their loan, and unsure of where to turn. We step in to fill that gap.
By working directly with borrowers, we offer flexibility and individualized attention that larger institutions typically cannot. Our goal is a resolution that keeps families in their homes whenever possible.
What We Stand For
- ✓ Transparency: We tell you exactly who we are, who owns your loan, and what your options are.
- ✓ Respect: Every borrower is treated with dignity, regardless of the circumstances of their default.
- ✓ Compliance: All representatives are FDCPA-certified and we hold a California Debt Collection License.
- ✓ Nationwide Reach: We work with homeowners across the United States.
Our Services
River Flow Funding provides two core services: direct loss mitigation for borrowers whose loans we hold, and consulting services for borrowers nationwide.
Loss Mitigation
For borrowers whose loans are owned by River Flow Funding, we offer a full range of loss mitigation solutions. These include loan modifications, repayment plans, forbearance agreements, short sales, and deeds-in-lieu of foreclosure.
The best option depends on your income, the current value of your property, and the nature of your hardship. We evaluate each situation individually.
Borrower Consulting Services
Even if River Flow Funding does not hold your loan, our consulting team can help you understand your rights and navigate the loss mitigation process with your existing servicer or lender.
We provide nationwide consulting services to homeowners facing default, foreclosure, or difficulty keeping up with payments.
Our Compliance Commitment
River Flow Funding holds a California Debt Collection License and ensures that all representatives are trained and certified under the Fair Debt Collection Practices Act. This means:
- • We do not engage in harassing, abusive, or deceptive collection practices.
- • You have the right to request written verification of the debt within 30 days of first contact.
- • You have the right to dispute the debt in writing.
- • You may request that we contact you only in writing.
- • Any information you provide may be used in connection with collection of this debt.
For a complete description of your rights under the FDCPA, visit the Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov.
Ready to Find a Solution?
Complete our borrower intake form to start the conversation. There is no cost and no obligation to explore your options.
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