All your homebuying needs under one roof
There are many steps involved when it comes to buying a home, and RBFCU, along with our affiliate companies, provide resources to make the homebuying process easier. We provide all the services you need to make your homebuying experience easy and efficient. Here’s how we can help:
RBFCU Realty’s experienced real estate agents can help you find the home you need, or help you sell your current home. Our agents are with you every step of the process. Plus, they offer commission rebates to qualified buyers to help you keep more money in your pocket.
We have mortgages that fit your needs no matter which stage of life you’re in. In addition to a variety of conventional mortgage options offered through RBFCU, our affiliate RB Mortgage specializes in FHA and VA loans designed to fit unique situations and buyers, like first-time homebuyers, service members, veterans and investors.
RB Title serves as the central point for all document gathering and title settlement services, and will facilitate the completion of the homebuying process. If you’re a seller, indicate RB Title as your preferred title company on your paperwork. If you’re a buyer, request to close with RB Title.
Warranties and security
Once you’ve made your home purchase, you’ll want to make sure you’re covered when it comes to protection, replacement and repairs. We partner with TotalProtect Home Services to protect your home’s most essential systems and appliances.
Appraising and assessing your property
RBFCU Appraisal’s team of appraisers works with lenders to review homes for both buyers and sellers and to ensure the properties are assessed at the appropriate value.
Safeguarding your investment
Your home is important to you. Make sure you have the right insurance coverage to keep your home protected. Let RBFCU Insurance Agency provide a free quote so you can make sure you’re covered with confidence.
How does the RBFCU Realty rebate program work?
To be eligible for commission rebate, you must be an RBFCU member, use RBFCU Realty and at least one preferred provider (RB Mortgage, RB Title or RBFCU mortgage). Inform RBFCU Realty of your interest in the program prior to your closing date and execution of contract.
Buying a home
If you are buying a home through one of our agents, you will earn a partial rebate on the closing disclosure, based on the commissions that are paid to us by the seller. If the RBFCU Realty agent that represents the buyer in a transaction receives a commission of 3 percent of the purchase price, you will receive a rebate equal to 20 percent of the RBFCU Realty agent’s commission.
Here’s an example: If the purchase price of your new home is $300,000 and the 3-percent commission received by RBFCU Realty would be $9,000. You would receive 20 percent of that, which is $1,800.
Selling a home
If you are selling a home through one of our agents and you are an RBFCU member, RBFCU Realty will charge a discounted commission of 5.4 percent to sell your home. If you are not an RBFCU member, RBFCU Realty will charge a 6-percent commission to sell your home.
RBFCU Realty program is subject to change without notice. RBFCU Realty LLC is a wholly owned subsidiary of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU).
Should I get preapproved before talking to an RBFCU Realty real estate agent?
Getting preapproved for a mortgage loan before you begin the shopping process can be a great idea. Knowing how much you’re able to spend on your home will help your real estate agent work with you to find the perfect home and perfect area for your purchase. If you’re ready to get preapproved, apply here.
How do I choose an appraiser?
As the buyer of a property, you do not have to address any appraisal questions. RBFCU will order a property appraisal to assess the true value of your selected property and to protect your interests.
When can I use RB Title?
There are several ways to use RB Title. When selling property through a real estate agent, instruct the agent to use RB Title as your closing agent. When selling a property on your own, include RB Title as the closing agent on your contract. When purchasing property, the seller normally chooses the title company to use, but it is still an item you can negotiate with the seller. Inform the seller and real estate agent of RB Title's low fees and settlement services. When refinancing your property, instruct your mortgage lender to use RB Title and ask them to fax their closing instructions to us. When building a home instruct your builder and lender, if applicable, to use RB Title as your closing agent. For more information, call us at 1-800-580-3300, ext. 53370. The RB Title fax number is 210-945-3356. You may also email us at firstname.lastname@example.org.
How is RBFCU Services connected with RBFCU?
RBFCU Services is an affiliate of Randolph-Brooks Federal Credit Union (RBFCU). Each company within RBFCU Services is a wholly owned subsidiary of RBFCU.
FHA and VA loans are offered through RB Mortgage LLC. RB Mortgage LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). NMLS# 862516. RBFCU Insurance Agency LLC, RBFCU Realty LLC, RBFCU Appraisal LLC and RB Title LLC are wholly owned subsidiaries of RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). Insurance products are not deposits; not NCUA insured; and not guaranteed by RBFCU Insurance Agency LLC, RBFCU Services LLC and RBFCU.