Homebuying & Selling Services
All your homebuying needs under one roof
There are many steps involved when it comes to buying a home, and RBFCU, along with our affiliate companies, provide resources to make the homebuying process easier. We provide all the services you need to make your homebuying experience easy and efficient.
Our experienced real estate agents can help you find the home you need, or help you sell your current home. Plus, they offer a program1 designed to give a percentage of their earned commission to help you keep more money in your pocket.
We have mortgages that fit your needs no matter which stage of life you’re in. In addition to a variety of conventional mortgage options offered through RBFCU, our affiliate Domain Mortgage also specializes in FHA and VA loans designed to fit unique situations, like first-time homebuyers, service members, veterans and investors.
RBFCU’s preferred title company serves as the central point for all document gathering and title settlement services, and will facilitate the completion of the homebuying process. If you’re a seller, indicate our title company as your choice on your paperwork. If you’re a buyer, request to close with our title company.
Warranties and security
Once you’ve made your home purchase, you’ll want to make sure you’re covered when it comes to protection, replacement and repairs. We partner with Cinch® Home Services to protect your home’s most essential systems and appliances.
Appraising your property
RBFCU Appraisal has a team of appraisers who work with lenders to review homes for both buyers and sellers and to ensure the properties are assessed at the appropriate value.
How much home can I afford?
How much should I put down for a new home?
How much will my mortgage payments be?
Which is better for me: A 15-year or 30-year mortgage loan term?
What will my closing costs be?
How does the RBFCU Member Benefit Program work?
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 provider* (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 the projected closing date and execution of contract.
Buying a home
Choose an RBFCU preferred real estate agent as your buyer’s representative and use an RBFCU preferred mortgage lender for your home financing needs. A transaction receiving a commission of 3 percent of the purchase price will receive a credit up to 10 percent of the RBFCU preferred real estate agent’s earned commission.
Here’s an example: If the purchase price of your new home is $300,000 and the 3-percent commission received by the RBFCU preferred real estate agent is $9,000, then you would receive up to 10 percent of that, which is $900.
Selling a home
List your home with an RBFCU preferred real estate agent and RBFCU’s preferred title company for your escrow and title insurance needs. You will earn a credit based on the earned commission of the RBFCU preferred real estate agent.
*Buyer 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 to be eligible for commission credit.
RBFCU member benefit program is subject to change without notice.
Should I get pre-approved before talking to an RBFCU preferred real estate agent?
Getting pre-approved for a mortgage loan before you begin the shopping process can be a great idea. Knowing how much you’re able to spend on your home will help your preferred real estate agent work with you to find the perfect home and perfect area for your purchase. If you’re ready to get pre-approved, apply here.
How do I choose an appraiser?
As the buyer of a property, you do not have to address any appraisal questions. RBFCU will order a property appraisal to assess the true value of your selected property and to protect your interests.
When can I use Preserve Title?
There are several ways to use Preserve Title. When selling property through a real estate agent, instruct the agent to use Preserve Title as your closing agent. When selling a property on your own, include Preserve Title as the closing agent on your contract. When purchasing property, the seller normally chooses the title company to use, but it is still an item you can negotiate with the seller. Inform the seller and real estate agent of Preserve Title's fees and settlement services. When refinancing your property, instruct your mortgage lender to use Preserve Title and ask them to fax their closing instructions to us. When building a home instruct your builder and lender, if applicable, to use Preserve Title as your closing agent. For more information, visit www.preservetitle.com or contact us by calling 210-945-3370 or email us at firstname.lastname@example.org.
How is RBFCU Services connected with RBFCU?
RBFCU Services LLC was established to expand the range of financial products and offer best-practice strategies to serve the specific needs of our members. As an affiliate of RBFCU, our focus is on providing an experience — one with professional guidance and integrity. In fact, our credit union philosophy is “people helping people.” Every day, we strive to deliver a variety of quality financial products specifically designed to fit each member’s lifestyle and budget.
When you choose RBFCU Services, you have access to a collection of knowledgeable and dedicated staff. Connect with our real estate agents who can help you find the perfect home, and utilize our loan specialists to determine the right mortgage. When you need to protect your investments, contact our insurance specialists to determine the right amount of coverage at the right price, and meet with our financial advisors to help navigate your retirement plan or guide you through all your investment needs. We’re here every step of the way.
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. FHA and VA loans are offered through RB Mortgage LLC dba Domain Mortgage. Kuper Realty Holding Company, LLC dba Kuper Sotheby’s International Realty, RB Mortgage LLC dba Domain Mortgage, RBFCU Appraisal LLC, RBFCU Insurance Agency LLC and Preserve Title Company LLC are subsidiaries of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC and 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.