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Home Mortgage & Construction Loan Rates

RBFCU offers a variety of Home Mortgage and Construction Loan products. Whether you're building a home or refinancing your current one, RBFCU can help you find the loan that works for you.

Stay up-to-date on the most current interest rates, including both Home Mortgage and Construction Loan rates. Use RBFCU to make sure you'll always have the most current financial information at your fingertips and the knowledge to make the best financial decisions.

Check out the current Home Mortgage and Construction Loan rates below, then apply for a mortgage loan online. Give us a call or stop by a local branch today to see how we can help you build a solid financial future.




The Annual Percentage Rate is current as of: 04-19-2014

Mortgage Loans 30/20 Year Mortgage Loans
Construction Loans  
Mortgage Loans
Type/Requirements Years Minimum Rate Available Maximum Rate Available
Rate APR* Payment Per $10,000 Rate APR* Payment Per $10,000
Primary Residence** 7 2.650 2.860

Important Loan Information

At a 2.650% interest rate, the APR for this loan type is 2.860%. The monthly payment schedule would be:

  • 84 payments of $2,350.11 at an interest rate of 2.650%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

130.56 2.650 2.860

Important Loan Information

At a 2.650% interest rate, the APR for this loan type is 2.860%. The monthly payment schedule would be:

  • 84 payments of $2,350.11 at an interest rate of 2.650%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

130.56
" 10 2.750 2.900

Important Loan Information

At a 2.750% interest rate, the APR for this loan type is 2.900%. The monthly payment schedule would be:

  • 120 payments of $1,717.40 at an interest rate of 2.750%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

95.41 2.750 2.900

Important Loan Information

At a 2.750% interest rate, the APR for this loan type is 2.900%. The monthly payment schedule would be:

  • 120 payments of $1,717.40 at an interest rate of 2.750%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

95.41
" 15 3.000 3.193

Important Loan Information

At a 3.000% interest rate, the APR for this loan type is 3.193%. The monthly payment schedule would be:

  • 180 payments of $1,243.05 at an interest rate of 3.000%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

69.06 3.000 3.193

Important Loan Information

At a 3.000% interest rate, the APR for this loan type is 3.193%. The monthly payment schedule would be:

  • 180 payments of $1,243.05 at an interest rate of 3.000%

This payment schedule is based on a $180,000 loan on a purchase of a $225,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

69.06
Second Home
10% Equity Required
7 2.650 2.860

Important Loan Information

At a 2.650% interest rate, the APR for this loan type is 2.860%. The monthly payment schedule would be:

  • 84 payments of $1,566.74 at an interest rate of 2.650%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

130.56 2.650 2.860

Important Loan Information

At a 2.650% interest rate, the APR for this loan type is 2.860%. The monthly payment schedule would be:

  • 84 payments of $1,566.74 at an interest rate of 2.650%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

130.56
" 10 2.750 2.900

Important Loan Information

At a 2.750% interest rate, the APR for this loan type is 2.900%. The monthly payment schedule would be:

  • 120 payments of $1,144.93 at an interest rate of 2.750%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

95.41 2.750 2.900

Important Loan Information

At a 2.750% interest rate, the APR for this loan type is 2.900%. The monthly payment schedule would be:

  • 120 payments of $1,144.93 at an interest rate of 2.750%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

95.41
" 15 3.000 3.193

Important Loan Information

At a 3.000% interest rate, the APR for this loan type is 3.193%. The monthly payment schedule would be:

  • 180 payments of $828.70 at an interest rate of 3.000%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

69.06 3.000 3.193

Important Loan Information

At a 3.000% interest rate, the APR for this loan type is 3.193%. The monthly payment schedule would be:

  • 180 payments of $828.70 at an interest rate of 3.000%

This payment schedule is based on a $120,000 loan on a purchase of a $150,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

69.06
Rental Property
20% Equity Required
7 3.150 3.331

Important Loan Information

At a 3.150% interest rate, the APR for this loan type is 3.331%. The monthly payment schedule would be:

  • 84 payments of $1,328.10 at an interest rate of 3.150%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

132.81 3.150 3.331

Important Loan Information

At a 3.150% interest rate, the APR for this loan type is 3.331%. The monthly payment schedule would be:

  • 84 payments of $1,328.10 at an interest rate of 3.150%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

132.81
" 10 3.250 3.380

Important Loan Information

At a 3.250% interest rate, the APR for this loan type is 3.380%. The monthly payment schedule would be:

  • 120 payments of $977.19 at an interest rate of 3.250%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

97.72 3.250 3.380

Important Loan Information

At a 3.250% interest rate, the APR for this loan type is 3.380%. The monthly payment schedule would be:

  • 120 payments of $977.19 at an interest rate of 3.250%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

97.72
" 15 3.500 3.723

Important Loan Information

At a 3.500% interest rate, the APR for this loan type is 3.723%. The monthly payment schedule would be:

  • 180 payments of $714.88 at an interest rate of 3.500%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

71.49 3.500 3.723

Important Loan Information

At a 3.500% interest rate, the APR for this loan type is 3.723%. The monthly payment schedule would be:

  • 180 payments of $714.88 at an interest rate of 3.500%

This payment schedule is based on a $100,000 loan on a purchase of a $125,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

71.49
Home Improvement*** 4 3.900 3.928

Important Loan Information

At a 3.900% interest rate, the APR for this loan type is 3.928%. The monthly payment schedule would be:

  • 48 payments of $563.36 at an interest rate of 3.900%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

225.34 3.900 3.928

Important Loan Information

At a 3.900% interest rate, the APR for this loan type is 3.928%. The monthly payment schedule would be:

  • 48 payments of $563.36 at an interest rate of 3.900%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

225.34
" 7 4.550 4.567

Important Loan Information

At a 4.550% interest rate, the APR for this loan type is 4.567%. The monthly payment schedule would be:

  • 84 payments of $348.09 at an interest rate of 4.550%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

139.23 4.550 4.567

Important Loan Information

At a 4.550% interest rate, the APR for this loan type is 4.567%. The monthly payment schedule would be:

  • 84 payments of $348.09 at an interest rate of 4.550%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

139.23
" 10 4.650 4.662

Important Loan Information

At a 4.650% interest rate, the APR for this loan type is 4.662%. The monthly payment schedule would be:

  • 120 payments of $260.91 at an interest rate of 4.650%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

104.36 4.650 4.662

Important Loan Information

At a 4.650% interest rate, the APR for this loan type is 4.662%. The monthly payment schedule would be:

  • 120 payments of $260.91 at an interest rate of 4.650%

This payment schedule is based on a $25,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

104.36
" 15 4.900 4.905

Important Loan Information

At a 4.900% interest rate, the APR for this loan type is 4.905%. The monthly payment schedule would be:

  • 180 payments of $314.24 at an interest rate of 4.900%

This payment schedule is based on a $40,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

78.56 4.900 4.905

Important Loan Information

At a 4.900% interest rate, the APR for this loan type is 4.905%. The monthly payment schedule would be:

  • 180 payments of $314.24 at an interest rate of 4.900%

This payment schedule is based on a $40,000 home improvement loan in which you have 10% equity in the property.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

78.56
Land**** 4 4.900 4.964

Important Loan Information

At a 4.900% interest rate, the APR for this loan type is 4.964%. The monthly payment schedule would be:

  • 48 payments of $919.36 at an interest rate of 4.900%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

229.84 4.900 4.964

Important Loan Information

At a 4.900% interest rate, the APR for this loan type is 4.964%. The monthly payment schedule would be:

  • 48 payments of $919.36 at an interest rate of 4.900%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

229.84
" 7 5.500 5.538

Important Loan Information

At a 5.500% interest rate, the APR for this loan type is 5.538%. The monthly payment schedule would be:

  • 84 payments of $574.80 at an interest rate of 5.500%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

143.70 5.500 5.538

Important Loan Information

At a 5.500% interest rate, the APR for this loan type is 5.538%. The monthly payment schedule would be:

  • 84 payments of $574.80 at an interest rate of 5.500%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

143.70
" 10 5.600 5.628

Important Loan Information

At a 5.600% interest rate, the APR for this loan type is 5.628%. The monthly payment schedule would be:

  • 120 payments of $436.09 at an interest rate of 5.600%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

109.02 5.600 5.628

Important Loan Information

At a 5.600% interest rate, the APR for this loan type is 5.628%. The monthly payment schedule would be:

  • 120 payments of $436.09 at an interest rate of 5.600%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

109.02
" 15 5.850 5.948

Important Loan Information

At a 5.850% interest rate, the APR for this loan type is 5.948%. The monthly payment schedule would be:

  • 180 payments of $334.31 at an interest rate of 5.850%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

83.58 5.850 5.948

Important Loan Information

At a 5.850% interest rate, the APR for this loan type is 5.948%. The monthly payment schedule would be:

  • 180 payments of $334.31 at an interest rate of 5.850%

This payment schedule is based on a $40,000 loan on a purchase of a $50,000 property in Bexar County, TX.

The payment amounts above do not include amounts for taxes and insurance. If included, your actual payment obligation will be greater.

83.58

Note: There are no application fees.

* APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR. Please call us at 210-945-3300 or toll free at 1-800-580-3300.

** Loans exceeding 90% Loan to Value will require Private Mortgage Insurance or a piggyback loan (90/5/5) and are subject to additional qualifications.

*** Equity requirements: 4 yr. 0%, 7 yr. 5%, 10 yr. 10%, 15 yr. 10% (minimum loan amount is $40,000).

**** Loans exceeding 80% Loan to Value are priced 30 basis points higher and are subject to additional qualifications.

Construction Loans
Type/Requirements Years APR*
Construction**
20% Equity Required
1 4.600

* APR means Annual Percentage Rate. Your final APR may vary based upon customary fees and closing costs which are treatable as interest when calculating your final APR. Please call us at 210-945-3300 or toll free at 1-800-580-3300.

** Interim construction loan with terms up to 1 year. Accrued interest is payable with each draw. One time closes are available.

Mortgage lending is restricted to property in Texas.

Rates and terms are subject to change without prior notice; other restrictions may apply.

Equal Housing Lender