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: 02-11-2016
Mortgage Loans | 30/20 Year Mortgage Loans |
Construction 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 | 2.375 |
2.580
Important Loan InformationAt a 2.375% interest rate, the APR for this loan type is 2.580%. The monthly payment schedule would be:
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. |
129.34 | 2.375 |
2.580
Important Loan InformationAt a 2.375% interest rate, the APR for this loan type is 2.580%. The monthly payment schedule would be:
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. |
129.34 |
" | 10 | 2.625 |
2.770
Important Loan InformationAt a 2.625% interest rate, the APR for this loan type is 2.770%. The monthly payment schedule would be:
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. |
94.84 | 2.625 |
2.770
Important Loan InformationAt a 2.625% interest rate, the APR for this loan type is 2.770%. The monthly payment schedule would be:
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. |
94.84 |
" | 15 | 2.875 |
3.070
Important Loan InformationAt a 2.875% interest rate, the APR for this loan type is 3.070%. The monthly payment schedule would be:
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. |
68.46 | 2.875 |
3.070
Important Loan InformationAt a 2.875% interest rate, the APR for this loan type is 3.070%. The monthly payment schedule would be:
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. |
68.46 |
Second Home 10% Equity Required |
7 | 2.375 |
2.580
Important Loan InformationAt a 2.375% interest rate, the APR for this loan type is 2.580%. The monthly payment schedule would be:
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. |
129.34 | 2.375 |
2.580
Important Loan InformationAt a 2.375% interest rate, the APR for this loan type is 2.580%. The monthly payment schedule would be:
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. |
129.34 |
" | 10 | 2.625 |
2.770
Important Loan InformationAt a 2.625% interest rate, the APR for this loan type is 2.770%. The monthly payment schedule would be:
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. |
94.84 | 2.625 |
2.770
Important Loan InformationAt a 2.625% interest rate, the APR for this loan type is 2.770%. The monthly payment schedule would be:
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. |
94.84 |
" | 15 | 2.875 |
3.070
Important Loan InformationAt a 2.875% interest rate, the APR for this loan type is 3.070%. The monthly payment schedule would be:
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. |
68.46 | 2.875 |
3.070
Important Loan InformationAt a 2.875% interest rate, the APR for this loan type is 3.070%. The monthly payment schedule would be:
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. |
68.46 |
Rental Property 20% Equity Required |
7 | 3.000 |
3.200
Important Loan InformationAt a 3.000% interest rate, the APR for this loan type is 3.200%. The monthly payment schedule would be:
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. |
132.13 | 3.000 |
3.200
Important Loan InformationAt a 3.000% interest rate, the APR for this loan type is 3.200%. The monthly payment schedule would be:
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. |
132.13 |
" | 10 | 3.250 |
3.390
Important Loan InformationAt a 3.250% interest rate, the APR for this loan type is 3.390%. The monthly payment schedule would be:
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 |
3.390
Important Loan InformationAt a 3.250% interest rate, the APR for this loan type is 3.390%. The monthly payment schedule would be:
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 |
3.690
Important Loan InformationAt a 3.500% interest rate, the APR for this loan type is 3.690%. The monthly payment schedule would be:
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 |
3.690
Important Loan InformationAt a 3.500% interest rate, the APR for this loan type is 3.690%. The monthly payment schedule would be:
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 | 3.750 |
3.780
Important Loan InformationAt a 3.750% interest rate, the APR for this loan type is 3.780%. The monthly payment schedule would be:
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. |
224.67 | 3.750 |
3.780
Important Loan InformationAt a 3.750% interest rate, the APR for this loan type is 3.780%. The monthly payment schedule would be:
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. |
224.67 |
" | 7 | 4.250 |
4.270
Important Loan InformationAt a 4.250% interest rate, the APR for this loan type is 4.270%. The monthly payment schedule would be:
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. |
137.84 | 4.250 |
4.270
Important Loan InformationAt a 4.250% interest rate, the APR for this loan type is 4.270%. The monthly payment schedule would be:
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. |
137.84 |
" | 10 | 4.500 |
4.510
Important Loan InformationAt a 4.500% interest rate, the APR for this loan type is 4.510%. The monthly payment schedule would be:
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. |
103.64 | 4.500 |
4.510
Important Loan InformationAt a 4.500% interest rate, the APR for this loan type is 4.510%. The monthly payment schedule would be:
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. |
103.64 |
" | 15 | 4.750 |
4.760
Important Loan InformationAt a 4.750% interest rate, the APR for this loan type is 4.760%. The monthly payment schedule would be:
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. |
77.78 | 4.750 |
4.760
Important Loan InformationAt a 4.750% interest rate, the APR for this loan type is 4.760%. The monthly payment schedule would be:
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. |
77.78 |
Land**** | 4 | 4.750 |
4.790
Important Loan InformationAt a 4.750% interest rate, the APR for this loan type is 4.790%. The monthly payment schedule would be:
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. |
229.16 | 4.750 |
4.790
Important Loan InformationAt a 4.750% interest rate, the APR for this loan type is 4.790%. The monthly payment schedule would be:
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. |
229.16 |
" | 7 | 5.250 |
5.270
Important Loan InformationAt a 5.250% interest rate, the APR for this loan type is 5.270%. The monthly payment schedule would be:
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. |
142.52 | 5.250 |
5.270
Important Loan InformationAt a 5.250% interest rate, the APR for this loan type is 5.270%. The monthly payment schedule would be:
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. |
142.52 |
" | 10 | 5.500 |
5.520
Important Loan InformationAt a 5.500% interest rate, the APR for this loan type is 5.520%. The monthly payment schedule would be:
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. |
108.53 | 5.500 |
5.520
Important Loan InformationAt a 5.500% interest rate, the APR for this loan type is 5.520%. The monthly payment schedule would be:
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. |
108.53 |
" | 15 | 5.750 |
5.850
Important Loan InformationAt a 5.750% interest rate, the APR for this loan type is 5.850%. The monthly payment schedule would be:
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. |
83.04 | 5.750 |
5.850
Important Loan InformationAt a 5.750% interest rate, the APR for this loan type is 5.850%. The monthly payment schedule would be:
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. |
83.04 |
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. |
Mortgage lending is restricted to property in Texas.
Rates and terms are subject to change without prior notice; other restrictions may apply.