Home Loans & Realty
From house to home
RBFCU can help you with a mortgage, and so much more. Whether you’re purchasing your first house or 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.
Let us walk you through the mortgage loan process
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 (DTI) 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.
2. Decide what you can afford
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
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.
6. Finalize your loan
Our Mortgage Lending 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.
Mortgage
Finance your home or property with an FHA, VA or conventional mortgage loan that gives you flexibility when it comes to your purchase.
Mortgage
Finance your home or property with an FHA, VA or conventional mortgage loan that gives you flexibility when it comes to your purchase.
Still have mortgage questions?
Loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans available only on property in Texas. 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.
Kuper Realty Holding Company, LLC dba Kuper Sotheby’s International Realty, 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 offered through RBFCU Insurance Agency LLC, a wholly-owned subsidiary of RBFCU Services LLC and an affiliate of Randolph-Brooks Federal Credit Union (RBFCU). RBFCU Insurance Agency LLC is operated by Banc Insurance Agency. Business conducted with RBFCU Insurance Agency LLC is separate and distinct from any business conducted with RBFCU. Insurance products are not deposits; are not obligations of RBFCU; are not NCUA insured; are not issued by or guaranteed by RBFCU or any other affiliate, and may lose value. Any insurance required as a condition of the extension of credit by RBFCU need not be purchased from RBFCU Insurance Agency LLC but may, without affecting the approval of the application for an extension of credit, be purchased from an agent or insurance company of the member’s choice.
