Veterans United: Best for veterans. Compare Remortgages. Axos’ servicing department is accessible from 8 AM to 5 PM PST, Monday through Friday. A hassle-free process – and no broker fees. Types of guarantor mortgages. Traditionally, a mortgage guarantor would be a family member or friend, who acts as a 'back-up' in case the home buyer cannot make the mortgage payments. Easy way to pay bills. Most mortgages require you to put down at least a 5% deposit. “The mortgage guarantee scheme was a good short-term measure to get 95 per cent mortgages back on the market mid-Covid,. Department of Veterans Affairs (VA) with no down payment. The Nationwide banking app has a 4. Nationwide mortgages customer reviews. But this is only on the part of the estate that’s over the £325,000 threshold. Your home may be repossessed if you do not keep up repayments on your mortgage. Lines are open: Monday to Friday: 8am - 8pm. We researched the mortgage policies of some of the UK’s major mortgage lenders to find out whether they accepted zero-hours contracts. 0 on the independent customer review site Trustpilot. This allows you to maximise your buying potential while keeping full ownership of your property, as. You can also take advantage of the Better Price Guarantee, which promises to match any valid competitor’s offer and credit you $100 — if they can’t match the price, you get to keep the $100. The actual amount. Here are the current mortgage rates, as of Nov. There are different ways they could do this, so while you could borrow money from a parent or accept a large cash gift. You can apply for a purchase loan or a refinance with Guild Mortgage in person at a branch or via the lender’s website. How to Apply for a Guarantor Mortgage Step-by-Step. The Property is: Postcode: Title No: 1. NerdWallet's Best USDA Mortgage Lenders of November 2023. Unfortunately, even with additional and sufficient evidence to support a positive decision, appealing an underwriter’s decision usually proves fruitless. In a nutshell. Mortgage options for parents who want to help first-time buyers. Lifetime mortgages a re available to the over 55s looking to create extra money for. Most people ask a parent or relative to be their guarantor, but you don’t have to be family. In all seven regions, it received a below-average rating for overall. 8 out of 5. Forbes Advisor Staff, Contributor. For help, call 0800 470 3740 to discuss your options with our broker partner Fluent Mortgages. This is a bit pricey; however. Guarantor Independent Legal Advice Letter. Being named a guarantor on a family member’s £500,000 mortgage will certainly concern lenders more than guaranteeing a £5,000 car loan. The Mortgage Works, the specialist lending arm of Nationwide, is launching a range of guarantor mortgages which allow guarantors to set different levels of liability. Most mortgage providers request a minimum 10% of the property’s value, but with the help of a broker you may be able to seek out specialist student mortgage lenders offering higher loan-to-value (LTV) mortgages. editor. A 100% mortgage is a type of home loan where you borrow the full amount of the property you are purchasing. , we treat each customer as an individual, not a number. Individual lenders will each measure the impact of being a guarantor differently. You would receive $9,301 and make 36 scheduled monthly payments of $322. and has more than 300 branches nationwide. The Mortgage Conditions form part of this mortgage. This shouldn’t be confused with an overseas mortgage which is used to buy or refinance overseas property. A guarantor mortgage could help you to purchase a house if your income alone does not qualify you to do so. However, tight budgets and low wages can make it difficult to qualify for a mortgage with a high principal. Guarantor mortgages are mortgages in which someone else or another entity acts as a guarantor for someone else’s mortgage loan. Homeownership is a big commitment. Navy. 34% (85% LTV. Get a personalised mortgage recommendation from the experts at Mojo Mortgages: Free advice and expertise from qualified advisers. Book a call. If you don’t pay your landlord what you owe them, they can ask your guarantor to pay instead. The average APR on a 15-year fixed-rate mortgage fell 1 basis point to 6. A. The Guarantor agrees to inform the Society immediately of any changes to his/her name and/or address. 11. STOTTYCAKE_2 Forumite Posts: 37 Forumite. 4 percentage points. Tracie Pearce, head of products at TMW, says: “The new range of guarantor mortgages offer choice and flexibility for guarantors and first-time buyers. Find information on Nationwide's forms available to print and download here. 62,Topcashback: £177. However, if you choose this kind of mortgage guarantee, be ready to pay two insurance premiums: one premium paid upfront that’s equal to 1. 5 times their earnings and adjust the stress tests it does on applicants when assessing mortgage affordability. For more details on those, read our guide to overseas mortgages. 226 ratings Lender details Customer reviews Loans offered Conventional, jumbo, FHA, VA, USDA, fixed-rate, adjustable-rate; rate-and-term and cash-out refinancing; interest-only Min. LTV is a percentage figure that reflects the amount of your property that is mortgaged. SIGNED AS A. Nationwide. Nationwide Building Society General Mortgage Conditions 2019 . Increase my budget. With a guarantor behind you, your chances of. Thrive operates in several states, including Texas, Ohio, Colorado, Kentucky, North Carolina, Kansas, Virginia, Florida, Maryland and Indiana. It isn’t currently possible to complete an online Agreement in Principle. RIOs are very similar to standard interest-only. For example, a salary of £30,000 per year would result in a maximum loan of around £120,000. This 2023 review of Nationwide includes customer satisfaction, complaints and policy options for auto insurance. Editorial Note: We. The singular shall include the plural and vice versa and where two or more persons constitute “the Guarantor” covenants by the Guarantor shall be deemed made by them jointly and severally. In witness whereofHowever, the best first time buyer mortgage rates are typically available to people with a 40% deposit (a 60% LTV deal), so it's best to offer the largest deposit you're able to. 4 percentage points. Liable for the mortgage payments ('guaranteeing' that they'll be regularly paid), a guarantor does not assume ownership of the home. This means the person applying for the mortgage can do so with little or no savings Tenants-in-common mortgage: borrowers each buy a share of a property, which they can sell independently of the other tenant owners. If that person stops paying — or breaks any other rules of their credit contract — the lender has the right to: chase the guarantor for money owed, including fees and interestA guarantor mortgage could be a good mortgage deal if your credit history is poor, but the mortgage terms might not be quite as good. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. You may need a guarantor if any of the following are true. It means 'loan-to-value' and is the percentage of the property's value that's being covered by the mortgage. Nationwide has revealed a new mortgage designed to help family members buy a home - including both parents helping first-time buyer children or families helping. Leeds Building Society. A guarantor is someone who agrees to pay your rent if you don't pay it, for example a parent or close relative. e if they need you to be family. With lifetime mortgages you can. On title means you are legally registered as an owner of the property and are on the mortgage. Getting a joint mortgage with a non-UK citizen. Nationwide building society has slashed its fixed rates by up to 0. Having a guarantor on your mortgage application can help when you’re employed on a fixed term contract. These mortgages work by a parent or close family relative guaranteeing the mortgage by using their property or savings as security. Mortgages to suit you. In the worst case scenario, if the lender had to repossess and sell your property for less than the. Securely log-in using Touch ID, Face ID or 3 numbers of your passnumber. New lenders from early 2023 with other options that have a low overall cost! Do Nationwide do Pensioner Mortgages? Yes, Nationwide Pensioner Mortgages are 1. The ability to meet the credit score threshold is among the main hurdles renters face. Guarantor loans help people with poor or no credit secure a loan, such as a type of personal loan, a mortgage, or an auto loan. We’re legally obliged to assess the value of a property for mortgage purposes, which may not always involve a physical inspection of the property. The Nationwide Mortgage Licensing System (NMLS) is a centralized online database that lists properly certified mortgage loan officers and lenders. For example. Caret Down. Source: Average rates are based on aggregate, anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace from Oct. If your circumstances change for reasons beyond your control, the NHG may provide a safety net for you to fall back on when times are tough. Call us on 0345 603 1525 for a FREE consultation with one of our experienced advisors. Rates are around 5. Guarantors must get independent legal advice. A guarantor mortgage could help you to purchase a house if your income alone does not qualify you to do so. Use our online tools and mortgage calculators to work out what you can afford to borrow and how much your monthly payments could be with a. However, having a guarantor means you may not need to stump up any deposit. 43%. Cherry Creek Mortgage offers jumbo loans with as little as 5 percent down and with total loan values up to $3 million. Call 24/7. 90, Haggling. A Savings as Security mortgage, sometimes called a family guarantor or springboard mortgage, allows first-time buyers to purchase a home without any deposit savings. Nationwide Building Society Lifetime Mortgages have an LTV of 55%. This person will not own any equity in the property nor. Reach out anytime. When mortgages are unsubsidized, the cost of providing a credit guarantee is offset by the fees charged to investors, and those guarantee fees are passed on to borrowers. 04%. A strong foundation. Most Recent. Step 4: File your application. Saturday 8:30am to 4pm. 34% (85% LTV. Most likely you will require a 15% deposit to put down. 4 percentage points. A 5. Alternatively, if you're completely. A guarantor on a mortgage loan is someone who is willing to help you get on the property ladder. Henry Jordan, a director for Nationwide’s home loan division, said that on average, mortgage payments have gone up a third for the building society’s borrowers, who were paying £235 more a. How a Helping Hand could work. 00% p. You must do solid research to get the best deal possible. A joint borrower sole proprietor (JBSP) mortgage is an arrangement that lets you share the responsibility for your mortgage repayments with one or more additional borrowers or ‘sponsors’ – usually a parent or other close family member (s). You can apply for a Nationwide mortgage online and over the phone. Loan agreed: The terms of the loan, including your interest rate, the term of the loan and the amount borrowed are all. property is: 195 CLAREMONT ROAD, SALFORD, MANCHESTER. Nationwide is one of the least expensive companies in our ratings, taking the No. 4% in 2023 and 2. 100% mortgages are not common, and it can be difficult to secure a mortgage with a deposit of less than 5% without the help of a guarantor. 06% APR. Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5. 08% (60% LTV) with a £999 fee and a five-year fix, also for remortgage, at 5. Guarantor loans help people with poor or no credit secure a loan, such as a type of personal loan, a mortgage, or an auto loan. Mortgage insurance: 1% upfront guarantee fee; 0. Axos Bank NMLS# 524995 1 On new first-lien mortgages, Axos Bank will waive its full lender fee for loan amounts of $250,000 and above or reduce its lender fee by $200 for loan amounts of less than $250,000 if deposit account. JASON WEAVER. The Guarantor consents to registration hereof for execution. The mortgage guarantee scheme, which came into effect on Monday, will support banks and building societies to offer 95% loans, meaning that buyers only have to raise 5% themselves. You may see 95% mortgages described as '95% LTV'. In most cases, the borrower’s income is not included in any calculation. Meet lenders that guarantee mortgage satisfaction. It’s wise to only agree to being a guarantor for someone you know well. You Don’t Make Enough Money. director of mortgages and financial wellbeing at Nationwide, said: “We. In the vast majority of cases, however, individuals can only guarantor one loan at a time, especially if it’s a high-value loan such as a mortgage. 75 percent of the loan principal and an annual premium. The guarantor for a lease is a person who agrees to enter a lease agreement with a tenant by promising to pay rent on their behalf. Thousands of Nationwide customers have once again seen delays to payments in and out of their accounts today (28 February) after a technical glitch slowed certain transactions. A co-signer is responsible for every payment that a borrower misses. Most lenders ask for a deposit equal to at least 5% of the cost of the property you plan to buy. Rocket Mortgage – Best Online Lender. By using a MoneySuperMarket mortgage calculator, you can find out how additional personal costs (e. Existing Nationwide customers can call 0800 30 20 11. Below, we've listed the cheapest fixed-rate and tracker mortgage rates available to first-time buyers and home movers, plus the cheapest fee-free deals. The Mortgage Works, part of Nationwide building society group, is cutting fixed rates on buy-to-let mortgages for limited companies and homes of multiple occupancy by up to 0. The lender will sell your home to make their money back when. Discover has a few faults, however, including long closing times (55 days on average) and a maximum refinance loan limit of $300,000. 1, 2023, through Oct. Rates are. Get a loan estimate;secured by the Mortgage unless and until all money secured by the Mortgage has been received by the Society in full. Whether you are shopping for a rate, looking for a pre-approval letter or need to close quickly on an affordable guaranteed approval loans for 100% financing, Nationwide can deliver. 2023)” guide. Nationwide was rated in seven of the 11 regions in the 2023 J. Auto Insurance Study. We’ve listed some of the bigger names offering guarantor mortgages or joint borrower sole proprietor setups below: Swansea Building Society. The Mortgage Conditions are Nationwide Building Society General Mortgage Conditions 2011 The. Typically, the guarantor has a stronger credit history than the primary borrower, which helps them qualify for a loan. For example, if the estate is worth £500,000 and the tax-free part is £325,000, tax would be taken from the £175,000 (£. 4. Whether you’re a first time buyer or looking for a better deal, we can help you find a mortgage that’s right for you. 99% origination fee with a 15. For a 100% mortgage, the lender pays the total value of the home, so you don’t need to save up a. The mortgage was over 30 years and it was about 1350 per month we were quoted. Banks and building societies normally insist on at least a 5% deposit before they. The amount you’re offered will be based on a multiple of your salary, anywhere between 4. Their money is held for 5-years as security against your mortgage. 75 and 240 monthly payments of £1336. You would receive $9,301 and make 36 scheduled monthly payments of $322. It’s available for buying a property that will be your only home, and you’ll need to submit your mortgage application to us by 31 December 2023. This is ideal for situations where parents can offer help, without co-owning a property. If you or your guarantor don’t pay the rent you owe, the guarantor can be sued. There are various ways your parents could support your home purchase, including ways that don't require them to gift you large sums of cash. A guarantor is someone who agrees to be on a lease and guarantees to pay a tenant’s rent in the event that the tenant defaults. However, they are not named on the deeds of the property, so won’t own a. Lenders use the property you buy as security, but a guarantor offers additional security – usually their own home, or savings. For example, you may be accepted. If you want to help your child buy a home but don't have enough savings to give or lend them the cash, there are several options you can consider. 34% (85% LTV. A guarantor loan is an unsecured loan with a third-party guarantor. You charge the Property by way of legal mortgage with payment of all the money payable to us under the Mortgage Conditions. It is essential to do your. The maximum Help to Buy loan available is 20% of a property of a maximum value of £300,000. Nationwide Building Society General Mortgage Conditions 2019 . A couple, who are eligible first time buyers, have a joint income of £50,000, a 5% deposit and no other costs impacting how much they can afford. Typically, the guarantor has a stronger credit history than the primary borrower, which helps them qualify for a loan. You confirm receipt of a copy of the Mortgage Conditions. 5 times their household income, providing that eligibility criteria is met. The best lenders for USDA borrowers excelled in areas that are historically important for this group including low- to average-credit score requirements, low lender fees and low interest rates. Yes. Natalie Campisi, Brai Odion-Esene. Or you could choose to take out a 95% mortgage with a lender if you have a 5% deposit already saved up. Each lender has their own method of calculating the amount you can borrow based on how the additional security of the guarantee strengthens the mortgagee’s application. You can find out more on the gov. A 15 per cent deposit means access to Virgin Money’s two-year fixed rate of 2. Guarantor mortgages. The scheme is open to new 95% mortgages until 31 December 2022, with participating lenders offering 95% mortgages under the government guarantee from 19 April 2021. While there are respected mortgage lenders without any age restrictions, mortgage options start to change in your 50s. Yes, Nationwide Building Society does lifetime mortgages at 2. This warranty must be transferable upon sale of the property to the new owners. 43%. It’s often a parent or spouse (as long as you have separate bank accounts), but sometimes a friend or relative. They allow you to borrow against your property and only pay back the interest (and not the loan itself) each month. Login. Flyhomes rebounds with launch of nationwide lender partner channel. Here, you borrow money against the value of your home without making any repayments. You can't apply to change a borrower if: Your property is let. Family assist mortgages are usually offered at between 95-100% LTV (Loan to Value), meaning very little deposit is needed from the borrower. Best bad credit mortgage rates. Other people who struggle to meet eligibility criteria include newly self-employed applicants, those with poor credit history and guarantor mortgage seekers 5 common reasons Leeds Building Society decline mortgage applicants There are a range of different reasons borrowers might have a mortgage refused from Leeds Building SocietyNerdWallet's Best Mortgage Lenders of November 2023. 34% (85% LTV. Request a call from our Mortgage Experts over the phone, video chat, or face to face. We offer: Nearly 100 years of disciplined investing and decision-making. 4 percentage points. Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5. What is the mortgage guarantee scheme? The scheme helps home buyers get onto or move up the housing ladder with a minimum deposit of 5% of the property purchase price. Call 1-877-669-6877 for insurance help. In the vast majority of cases, however, individuals can only guarantor one loan at a time, especially if it’s a high-value loan such as a mortgage. The deal is expected to close in the middle of 2021. Guaranty Home Mortgage Corporation is dedicated to providing the solutions necessary to guide our customers and business partners down the path of making their dream of homeownership a reality. This scheme could increase your buying budget by up to 20%, which could mean you can buy sooner, or might widen your. As with any type of mortgage, there are advantages and. (AIP) for Lend a Hand. Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5. 4 percentage points. Mr. But if you’re struggling to save more than 5% for a deposit, we have first time buyer mortgages that may help below. The Mortgage Works, part of Nationwide building society group, is cutting fixed rates on buy-to-let mortgages for limited companies and homes of multiple occupancy by up to 0. If you’re planning to put down a deposit between 5% and 10%, to qualify for the Mortgage Guarantee Scheme you’ll need to be: A first-time buyer› Mortgages & endowments. 21 per cent reduction, its five-year fix at 60 per cent loan to value (LTV) is now priced at 4. Here’s how the guarantor loan process usually goes: Find a guarantor and apply: You’ll need an agreement from the guarantor (friend or family member). Yale. Parents use their property as collateral. First-time homebuyers can be confident in their home purchase when they rely on Axos' team of knowledgeable mortgage specialists to guide them through the home buying process. Best 60% LTV mortgage rates. If you're remortgaging your existing property, skip to best remortgage deals. There’s a few out there, and we recommend using a mortgage advisor to find the best one for you. Who We Are Founded in 1986, for years GHMC TPO has served as a market leader for the wholesale mortgage community. have a good credit history. We’re closed Sundays and Bank Holidays. Guaranteed Rate: Best for first-time home buyers. A guarantor mortgage is a special type of home loan where a close family member – usually a parent or grandparent – agrees to step in and cover the repayments if the homeowner can’t afford to do so. Call us on 0345 122 1603 to apply for our Family Boost mortgage. Guarantor mortgages. The scheme follows on from the successful 2013 Help to Buy: Mortgage. For help, call 0800 470 3740 to discuss your options with our broker partner Fluent Mortgages. 43 per cent. 8 out of 5. Guarantor mortgages; Mortgage application proofs; Mortgage title deeds; Guide to credit scoring; All Nationwide mortgages Charges, rates and terms. We’re open Monday to Friday 8am to 8pm and Saturday 9am to 4pm. This specialist mortgage is a way for a family member or friend to help a buyer increase their affordability, without handing over any cash. This mortgage secures further advances. We can provide help with all manner of family-assisted, shared mortgage arrangements, to help you secure that dream home for a loved one, from gifted deposits to guarantor mortgages and even. In most cases, the borrower’s income is not included in any calculation. The lender in a notice to state officials said it would close its Pewaukee, Wisconsin office because of "unforeseeable business conditions" brought on by the dramatic decline in mortgage volume, Inlanta President and CEO Paul Buege wrote. The Guarantor consents to registration hereof for execution. a. 32% across two, three, five and ten-year. Monday to Friday, 8am to 6pm. This means that for the average UK home (£365,357) you would need a deposit of around £18,300. Here’s what we found out (correct at 20 July 2021). And this is what defines the guarantor for a mortgage. The singular shall include the plural and vice versa and where two or more persons constitute “the Guarantor” covenants by the Guarantor shall be deemed made by them jointly and severally. 1. In 2023, the maximum amount for an NHG-backed mortgage for existing and new-build properties is € 405,000 . Once homeowners are able to repay the. Nationwide building society has slashed its fixed rates by up to 0. 6. Closed Sundays and bank holidays. A guarantor mortgage can help you get onto the property ladder if you have a family member who’s willing to support you financially. If you already have a mortgage with us, log in to your account or get help here. The Mortgage Works, part of Nationwide building society group, is cutting fixed rates on buy-to-let mortgages for limited companies and homes of multiple occupancy by up to 0. A standard range in the timeshare cancellation industry can run from $3000-$8000, depending on your. Bank of America – cut 1,000 mortgage jobs in Ohio, closing offices in Beachwood, Cincinnati, and Independence. Your new mortgage refinancing rate is partially based on your credit history. You are more. 83 reviews. Bank of America – closed home lending office in Marlton, NJ, 136 layoffs. This is certainly possible, but you will need to apply for an expat remortgage. 1 day ago · Nationwide Building Society will be reducing rates by up to 0. The rates are based on a 60%, 80% and 90% loan-to-value purchase of a property that costs £350,000 where the mortgage is taken over 25 years. 31, 2023. Great Work, and very easy to use and navigate. We have a dedicated media centre to provide all our legal information. 48 per cent (£995 fee). Your landlord might want to check your guarantor is able to pay the. Easy access to ID cards. Nationwide is made up of around 250 different building societies. Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5. Guaranteed Rate: Best for first-time home buyers and HELOCs. A guarantor loan is a guarantor agreement you would have with a close family member or close friend to get you a mortgage for a property if you are struggling to do so yourself. 96, Prolific: to 31/8/23 £663. A guarantor acts as a co-signer of sorts, in that they pledge. It is the first time fixed rates. If you prefer, you can contact the lender at 833-685-2565 during customer. The answer is yes, you can get protection to cover your mortgage in case of redundancy, though the policy will depend on what you want covered and your personal circumstances. 43 percentage points, effective from tomorrow, and will offer a deal for home purchase at 4. There are countless reasons why Nationwide might decline a mortgage application, besides the ones listed above, such as: You’re only employed on a seasonal contract basis; You’re currently repaying the balance for a payday loan; You receive your employment income in a foreign currency; You’ve submitted a mortgage application with a guarantor If you want to know the maximum amount of guarantor mortgage borrowing, UK lenders will multiply your income by 4. You can support a joint mortgage with two applicants, so long as your relationship to one of them is deemed acceptable by the lender, i. 2. Easy access to policy documents. PNC: Best for. 16%. The fact the daughter is a solicitor probably had a lot to do with the very limited answers they gave to the questions asked! Water sewerage refund: £170. As such, this mortgage guarantor typically must put up cash or their own home as security on the new home loan. Find the best offers for your search nationwide guarantor mortgage. 3 spot in our Cheapest Homeowners Insurance Companies of 2023 rating. (variable) for the remaining term, you would make 60 monthly payments of £1132. Nationwide dedicates it’s resources to serving the needs of our renters and landlords with the upmost professionalism, quality service and unfailing attention to detail. You can apply for a loan of between £1,000 and £25,000 over 1 to 7 years. Call 1-800-848-6331 for investment/ financial help. We are apartment guarantors for all those with bad or damaged credit. You could be offered a different rate based on your personal circumstances. As a result of the. 4 percentage points. Discover also doesn’t offer. Tembo advises on a range of guarantor mortgages that could help you buy sooner or boost your budget. 34% (85% LTV. As the loan payments are guaranteed by someone else, the debt is like a joint debt. Some lenders offer mortgages where a family member deposits cash (typically 5%-20% of the property price) into a special savings account. Further advances for home improvements. Guarantor Mortgages. Although it can be difficult to accept a loan, you may still have options. The Mortgage Works, part of Nationwide building society group, is cutting fixed rates on buy-to-let mortgages for limited companies and homes of multiple occupancy by up to 0. 63% with the best deal of its kind priced at 5. Nationwide’s rate cuts mean it will now offer a three-year fixed rate for residential remortgage at 5. To be a guarantor for a loan, you’ll usually need to: be over 18 or 21, and under 75. We offer mortgages if you're a first time buyer, moving home, remortgaging and more. Source: Average rates are based on aggregate, anonymized offer data from users who pre-qualified in NerdWallet’s lender marketplace from Oct. Published March 24, 2023 11:50 am ET. It's not currently possible to apply for a mortgage with a guarantor online. Our mortgage calculators are also handy tools that allow you to consciously compare deals and pick the one that best. Law Firms. Step 3: prepare your paperwork. RTB Letter of Postponement (England and Wales) PDF, 113KB. Skipton's 100% mortgage is only available to first-time buyers who have paid their rent in full (and on time) for at least 12 months. 9 million in cash for a 49% stake in Thrive.