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.

Fixed Rate - 30 year
   %  
 %  
Fixed Rate - 15 year
   %  
 %  
FHA - 30 year
   %  
 %  
VA 30 Year
   %  
 %  

What to expect when refinancing your mortgage


Document with computer cursor on it

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.

Pen completing paperwork

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.

4.2_Refinance_StepbyStep4_Icon_Close

3. Close

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

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?
    + -
  • 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?
    + -
  • How long does it take to refinance a mortgage loan?
    + -

    Refinancing a mortgage at RBFCU may take up to 75 days and is dependent on several factors, including but not limited to, interest rate environment, loan complexity and third party delays.


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

Ask RBFCU