Mortgage Refinancing

Make your home more affordable

Refinancing your mortgage can give you additional flexibility if you want to lower your payments or pay off your mortgage faster.

You have mortgage refinance options whether you're currently financed with RBFCU or with another lender.

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

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

What to expect when refinancing your mortgage

1. Apply for your loan

Complete the application online. Choose the loan term you are interested in as a starting point. Our loan officers can work with you to make sure the loan you have chosen meets your needs.

2. Complete paperwork

You'll complete the application process 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.

3. Close

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

Three days must pass between reviewing your loan closing disclosure and being able to complete your closing paperwork, so please schedule accordingly.

Refinancing Calculators

  • Am I better off refinancing my mortgage?
  • Which mortgage loan is a better fit for me?
  • What will my mortgage refinancing costs be?
  • Which is better for me: A 15-year or 30-year mortgage loan term?
  • Should I pay points to lower my mortgage loan rate?

Refinancing FAQs

Still have mortgage questions?

Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. Origination fee program not available for short term loans, FHA or VA loans. NMLS# 583215