About Us

Whether you’re buying your first home, exploring refinancing options, or planning your long-term financial strategy, the River City Lending Team is here to guide you every step of the way. Led by ReMi Doyle and Emily Sedlar, they bring over 30 years of combined mortgage experience to help families in the greater Richmond area make smart, informed decisions.

ReMi and Emily are more than business partners—they’re best friends who built a team based on trust, collaboration, and a shared passion for helping clients succeed. Their deep industry knowledge, attention to detail, and commitment to exceptional service ensure a smooth, stress-free mortgage experience. Their families are their pride and joy, and ensuring that you make the right mortgage decisions for you and your family is the reason they drop their kids off at daycare every day.

Our goal is simple: exceed expectations while helping you achieve homeownership and build lasting wealth.

We can’t wait to connect with you and be a part of your homebuying journey.

Love, ReMi & Emily

Conventional Loans

A Conventional loan is a flexible mortgage option for buyers with strong credit and steady income. These loans aren’t insured by the government, which often allows for lower overall costs and competitive rates. They’re a great choice for borrowers looking for straightforward terms and more control over their financing.

VA Loans

A VA loan is an exclusive benefit for qualified veterans, active-duty service members, and certain military families. With no down payment, competitive interest rates, and minimal fees, VA loans make homeownership achievable for those who have served our country.

FHA Loans

An FHA loan is ideal for buyers who may need a lower down payment or have less-than-perfect credit. Insured by the Federal Housing Administration, these loans provide an accessible path to homeownership while maintaining flexible qualification standards.

USDA Loans

A USDA loan helps buyers in eligible rural areas achieve homeownership with no down payment and low interest rates. Backed by the U.S. Department of Agriculture, these loans are ideal for families seeking affordable housing while building equity in their community.

DSCR Loans

A DSCR (Debt Service Coverage Ratio) loan is tailored for real estate investors looking to purchase or refinance income-producing properties. Qualification is based on the property’s income rather than the borrower’s personal income, making it easier to leverage investments and build a profitable real estate portfolio.

Jumbo Loans

Looking to purchase a higher-priced or luxury home? A Jumbo loan can help make it happen. These loans exceed the standard conforming limits, allowing qualified buyers to finance their dream home while still enjoying competitive rates. With the right guidance, a Jumbo loan can turn your homeownership goals into reality.

HELOC Loans

A HELOC (Home Equity Line of Credit) allows homeowners to tap into the equity of their property for flexible financing. Whether you’re renovating, consolidating debt, or funding major expenses, a HELOC gives you a revolving line of credit that adapts to your needs.

First Time Buyer Loans

Buying your first home? First-time buyer loans are designed to make stepping onto the property ladder easier, often offering lower down payments, reduced fees, and helpful guidance to ensure your first purchase sets you up for long-term success.

  • TOP NOTCH!

    We have never received this level of service and attention from any lender and this isn’t our first home. Very helpful, knowledgeable and personable. We are so grateful to have been paired up with such an amazing team!

    - Angela G

  • THIS WAS THE BEST LOAN EXPERIENCE EVER!

    You were so quick to respond and really helped us understand all of our options. I felt like you really cared about choosing the best loans for us based on our specific goals. I would highly recommend you to anyone!

    - Elizabeth C

  • WHAT A TOP NOTCH PROFESSIONAL!

    She was able to get us closed very swiftly with no surprises. Always solution-oriented, available (even on vacation) and a pleasure to work with.

    - Kristin K

  • THE TEAM WAS PHENOMENAL...

    when it came to being constantly there for us. Whenever we had questions and no matter the deadline, we always had someone there to guide, check in on, and support us.

    - Brielle H

View fullsize ✨ We’re growing! ✨ Join us as we celebrate our new office with a little fall flavor. Grateful for fresh beginnings, community, and the chance to keep serving you. Here’s to a harvest season full of new opportunities! 🌾🏡🍁
View fullsize While we hope Congress reaches a last-minute resolution, we are preparing for the possibility of disruption. We wanted to prepare you for what to expect from different offer/financing types. #richmondrealestate #rvarealestate #mortgagemom
View fullsize Fall is here 🍂 and with it comes a season of reflection, gratitude, and growth. We’re thankful for our clients, partners, and the incredible team that makes every homebuying journey possible. Here’s to cozy vibes, big wins, and making
View fullsize The application is the most important step in the lending process—and here’s why. 🏡 It’s not just a form to fill out; it’s the foundation of your loan. Every piece of information you provide—income, assets, debts, even
View fullsize Trying to keep mortgage fun! 😜 Have a wonderful Friday everyone!
View fullsize We are beyond grateful to our dear friends for trusting us with one of the biggest steps in their lives—financing their new home! 🏡💛 This journey was truly a team effort, and it’s such a joy to work alongside not just our clients, but a
View fullsize Rates have improved, which means either your buying power just got a boost 🏡 or the same loan now costs less each month 💰. Let’s break it down: A $500,000 loan at 6.5% vs the same loan at 6%: ➡️ Your monthly payment drops by $133! Or&hellip
View fullsize ✨ Meet Emily ✨ Finally got some new pics of this powerhouse! A little doodle art, a few fun facts, and yes… all her favorites included: boy mom x3, Air Force veteran, Scorpio ♏, book lover, ski enthusiast, and huge believer that homeownership
View fullsize Closing in August? 🏡 Let’s make sure you’re getting the best deal possible! If you’re about to close on your home, call us to review your mortgage quotes and see if we can improve your terms. We’ll even pay for your appraisal
View fullsize Home is where the loan is 🏡💖—but it’s so much more than just the financial side of things. A home is a place where memories are made, dreams are realized, and families grow. Helping my clients secure the financing they need to make th
View fullsize A huge congratulations to our amazing clients who closed last week! 🎉💪 You came to us with a plan and budget, and through hard work and dedication, you made it happen! 🏡✨ It's always so rewarding to see everything fall into place when we work to
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