Mortgage Purchase

Home financing that fits you

At RBFCU, we're here to guide you through your homebuying journey, and provide the mortgage loan options and related services that meet your needs.

To speak to a Mortgage representative, call 1-800-580-3300, 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.
30 Year Fixed Rate
   %  
 %  
15 Year Fixed Rate
   %  
 %  
FHA 30 Year
   %  
 %  
VA 30 Year
   %  
 %  
5/5 ARM
   %  
 %  
Land Loan 4 year
   %  
 %  
One-Time Close Construction 30 Year
   %  
 %  
One-Time Close Construction 15 Year
   %  
 %  

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 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

Before you begin shopping for a home, take a look at your budget and current expenses to determine what you can afford. You'll want to evaluate your monthly incoming and outgoing funds to see where a down payment, closing costs and your new mortgage payment might fit in.

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

Now's the time to determine all the traits that make up your perfect home. Research areas and neighborhoods of interest. Also, connect with an RBFCU preferred real estate agent, who can help you search smarter.

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 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.

Percentage sign

Worry-free payment security

If you're concerned about interest rates, a fixed-rate mortgage will keep your payments the same — no matter how high rates may go.

Percentage sign above arrow pointing in opposite directions

Flexibility now, and in the future

If you plan to move or refinance in a few years, an adjustable-rate mortgage (ARM) could be the best option for you.

Flag with home icon and stripes

Help for our military and more

A Federal Housing Administration (FHA) or Veterans Affairs (VA) loan can help you buy a home if you're a veteran, service member or spouse.

Mortgage Calculators

  • 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 fixed-rate mortgage or an adjustable-rate mortgage?
  • Which is better for me: A 15-year or 30-year mortgage loan term?

Mortgage FAQs


Still have mortgage questions?

“We applied for mortgages at a couple of banks, and RBFCU gave us our lowest rate with the least hassle. Being self-employed, I was afraid I’d have a ton of hoops to jump through, but the whole process was super easy.”

Loans subject to credit approval. Rates and terms subject to change without notice. Mortgage loans are available only on property in Texas. Origination fee program not available for short term loans, FHA or VA loans. RBFCU NMLS# 583215. FHA/VA loans offered through RB Mortgage LLC (NMLS# 862516). RB Mortgage LLC is primarily owned by RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union.

Notice

Certificates Calculators

Membership FAQs

Insurance FAQs

Investments Calculators

Investments FAQs

GreenPath FAQs

SBA Loans Calculators

SBA Loans FAQs

Business Calculators

Business FAQs

Home Appraisals FAQs

Realty Calculators

Realty FAQs

Land Loans Calculators

Land Loans FAQs

Jumbo Loans Calculators

Jumbo Loans FAQs

Mortgage Calculators

Mortgage FAQs