Low-rate Mortgage Loans

The decision to purchase or refinance a home can be complicated. But at RBFCU, we work to make the process as easy as possible for our members.

Looking for FHA and VA loan options? Our affiliate RB Mortgage LLC offers these loan options.

Our 20- and 30-year fixed-rate mortgage loans offer conveniently consistent payments to provide greater financial security. With a fixed-rate loan, your monthly principal and interest payments remain constant throughout the life of the loan (not including insurance and taxes).

  • Low down payment as little as 5 percent down*
  • Low closing costs
  • Escrow accounts available with dividends paid
  • Servicing retained by RBFCU
  • No prepayment penalties
  • Jumbo loans available
  • Private Mortgage Insurance (PMI)* may be required if down payment is less than 20%
  • 5, 7, 10, and 15 year terms are also available.

Texas homeowners may also be able to use their home's equity as a borrowing tool. Looking to make home improvements or consolidate debt? Our Home Equity Loans may help you achieve your goals.

Membership eligibility required. Loans subject to credit approval. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas.

*Loans requiring PMI financing are subject to additional qualifications, are limited to your primary residence and may require a larger down payment.

RBFCU licensed by the National Mortgage Licensing System under registration number 583215. FHA and VA loans available through RB Mortgage LLC (NMLS #862516), which is principally owned by RB Financial LLC. RB Financial LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). All loans are subject to credit approval.