Home Loans and Realty

From house to home

RBFCU and our affiliate company, Domain Mortgage, can help you with a mortgage, and so much more. Whether you're purchasing your first home and don't know where to start, or you're a seasoned homeowner, let us assist you in every step of the Texas homebuying process. We can guide you through securing a mortgage, finding your dream home, protecting your investment and beyond.

To speak to the Mortgage Department, call 210-945-3300, select option 3, then option 2.

To speak with a Loan Officer about FHA and VA loans, call Domain Mortgage at 1-833-552-7759.

Important Mortgage Application Information

RBFCU is currently experiencing a high volume of mortgage refinance applications. We are prioritizing purchase applications to ensure we meet closing dates, but will process your refinance requests as quickly as possible. We appreciate your patience and thank you for your loyalty to RBFCU.
Fixed Rate - 30 year
Fixed Rate - 15 year
FHA - 30 year
VA 30 Year
Land Loan - 4 year
One-Time Close Construction - 30 year
Home Equity - 4 year

FHA loans and VA loans are offered through RB Mortgage LLC dba Domain Mortgage NMLS# 862516.

Let us walk you through the mortgage loan process

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1. Get prepared

Buying a home is a big commitment and you'll want your finances to be in good condition before you start the process to ensure the best possible outcome. Gather your financial information, like recent tax returns, financial statements and pay stubs; your loan application will let you know what financial information is necessary. You should also review your credit score, take a look at your debt-to-income ratio and take other important steps to position yourself for receiving the best possible loan terms.

Click the button below to read our document on “Maintaining Your Financial Status and Credit Score” for tips to help guide you through the process.

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2. Decide what you can afford

Before you begin shopping for a home, take a look at your budget and current expenses to determine what you can afford. You'll want to evaluate your monthly incoming and outgoing funds to see where a down payment, closing costs and your new mortgage payment might fit in.

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3. Get pre-approved

Once you know how much home you can afford, complete the application for a pre-approval letter. The pre-approval will let sellers know that you are a qualified buyer who is prepared to make a home purchase.


4. Find your home

Now's the time to determine all the traits that make up your perfect home. Research areas and neighborhoods of interest. Also, connect with an RBFCU preferred real estate agent, who can help you search smarter.

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5. Complete paperwork

You'll complete the application process you started with your pre-approval request by submitting your documents and continuing through the loan process. This may sound simple, but it can be a big undertaking, depending on your employment status, residency, etc.

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6. Finalize your loan

Our mortgage team will help you through each step of the loan process and make sure you know everything you need to know to close your loan with confidence.

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Find financing that fits you

RBFCU offers a variety of mortgage loan options, including the standard adjustable-rate mortgage (ARM) and fixed-rate mortgage loans. If you're building a new home, or buying land for a future home, we can help with that, too.

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More paths to homeownership

If you're a first-time homebuyer or have military ties, consider a Federal Housing Administration (FHA) or Veterans Affairs (VA) loan from Domain Mortgage. Both offer more affordable, flexible lending and down payment requirements.

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Find your dream home

Need help finding that special abode? The preferred real estate agents at RBFCU are ready to offer their expertise — and get you cash back when you buy.

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Protecting your investment

Safeguard your new home with homeowners insurance through RBFCU Insurance Agency.

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Convenience in closing on your loan

RBFCU's preferred title company will help you complete the paperwork needed to finalize your loan and the purchase of your property.

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Helping you after you move in

If you decide to expand your home later, RBFCU can help with a home improvement loan. We also offer refinancing and home equity loans.

Home Loans Calculators

  • How much home can I afford?
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  • How much should I put down for a new home?
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  • How much will my mortgage payments be?
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  • Which is better for me: A fixed-rate mortgage or an adjustable-rate mortgage?
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  • Am I better off refinancing my mortgage?
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Home Loans FAQs

  • How soon will someone from RBFCU contact me after I’ve submitted my mortgage application?
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    Once you submit your mortgage loan application for review, RBFCU will contact you within 24 hours, unless it’s a weekend application.

  • How long will it take to receive my pre-approval?
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    A pre-approval process will typically take within 24 to 72 hours based on the type of loan.

  • What is included in my mortgage loan closing costs?
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    Your closing costs may include a loan origination fee, a recording fee, flood determination, attorney fees, underwriting fees, an appraisal, a survey, escrow reserves, homeowners insurance, title fees, a credit report fee and a tax service fee.

  • Can I complete an RBFCU mortgage application online?
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  • What is the difference between a conventional mortgage and an FHA mortgage?
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    While there may be different down payment requirements, the major difference between a conventional and a Federal Housing Administration (FHA) mortgage loan is that the FHA loan follows federal guidelines that a financial institution must follow. Click here to read more about the mortgage products that RBFCU offers.

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“I opened my RBFCU account while I was a student in San Marcos. Three car loans and a mortgage later, RBFCU is still the best. I’m a member for life!”

Still have mortgage questions?

#1 Mortgage Lender in Texas for Credit Unions – Loans Funded, based on 2018 National HMDA data published by Federal Financial Institutions Examination Council. Membership eligibility required. Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. Origination fees may apply. As a safeguard, a 5-day cooling-off period is required by Texas law before home improvement loans may be closed. A 3-day right of rescission is also required after closing before the funds may be disbursed. Jumbo loans may require larger down payments and additional qualifications. NMLS# 583215. FHA and VA loans offered through RB Mortgage LLC dba Domain Mortgage.

Calculated on up to 3% commission earned by the RBFCU preferred real estate agent, up to a maximum of a $10,000 credit. Homebuyers are eligible to receive up to 10% of the agent’s earned commission, which will be credited on the closing disclosure and applied to closing costs and prepaid items. To be eligible for commission credit, you must be an RBFCU member, use an RBFCU preferred real estate agent (Kuper Sotheby’s International Realty) and at least one preferred provider¹ (Domain Mortgage NMLS# 862516, Preserve Title Company or RBFCU Mortgage NMLS# 583215), and notify the RBFCU preferred real estate agent of your interest in the program prior to projected closing date and execution of contract. RBFCU member benefit program is subject to change without notice. RBFCU mortgage loans are available only on property in Texas. All loans are subject to credit approval. Kuper Realty Holding Company, LLC dba Kuper Sotheby’s International Realty, RB Mortgage LLC dba Domain Mortgage, Preserve Title Company LLC and RBFCU Insurance Agency LLC are subsidiaries of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; are not obligations of the credit union; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC or RBFCU.

¹Buyer is required to use Domain Mortgage or RBFCU Mortgage to finance the purchase of the property; Seller is required to use Preserve Title Company for the sale of the property in order to be eligible for commission credit.