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 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.
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FHA - 30 year
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VA 30 Year
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5/5 ARM
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Land Loan - 4 year
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One-Time Close Construction - 30 year
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One-Time Close Construction - 15 year
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FHA loans and VA loans are offered through RB Mortgage LLC dba Domain Mortgage NMLS# 862516.

Let us walk you through the mortgage loan process


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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.

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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.

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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.

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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.

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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.

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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.


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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.

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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.

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Help for our military and more

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

Mortgage Calculators

  • How much home can I afford?
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  • How much should I put down for a new home?
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  • How much will my mortgage payments be?
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  • Which is better for me: A fixed-rate mortgage or an adjustable-rate mortgage?
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  • Which is better for me: A 15-year or 30-year mortgage loan term?
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Mortgage FAQs

  • How soon will someone from RBFCU contact me after I’ve submitted my mortgage application?
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    Once you submit your mortgage loan application for review, RBFCU will contact you within 24 hours, unless it’s a weekend application.

  • How long will it take to receive my preapproval?
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    A preapproval process will typically take within 24 to 72 hours based on the type of loan.

  • What is included in my mortgage loan closing costs?
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    Your closing costs may include a loan origination fee, a recording fee, flood determination, attorney fees, underwriting fees, an appraisal, a survey, escrow reserves, homeowners insurance, title fees, a credit report fee and a tax service fee.

  • Can I complete an RBFCU mortgage application online?
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  • Where and how can I make my mortgage payment?
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    Your mortgage payment should be made to the company that services your loan. In many cases, your mortgage payment can be made payable to RBFCU. You can make your payment from your Online Banking account, at any RBFCU branch or mail it to RBFCU, P.O. Box 2097, Universal City, Texas 78148-2097. When mailing your payment, please include your mortgage loan number to receive proper credit.

    RBFCU also partners with other companies to service loans. It's important to ensure you make your mortgage payment to appropriate company.


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 fees may apply. RBFCU NMLS# 583215. FHA/VA loans offered through RB Mortgage LLC dba Domain Mortgage (NMLS# 862516). RB Mortgage LLC dba Domain Mortgage is principally owned by RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union.