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.

30 Year Fixed Rate
15 Year Fixed Rate
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.

Apply now/Check status

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.

What to expect during the process

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.


  • Am I better off refinancing my mortgage? Am I better off refinancing my mortgage?


More 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