The 5/5 Adjustable-Rate Mortgage (ARM) loan from RBFCU locks in your interest rate and payment for the first 5 years of your loan. After the initial term has actually lapsed, your rates of interest and payment are subject to change (up or down) every 5 years for the remaining loan term. Refinance if rates decrease or sell at at any time. With a minimum down payment of 5% and an initial low-interest rate, the 5/5 ARM provides a fresh perspective on home funding.

To speak to the Mortgage Department, call 210-945-3300, choose option 3, then choice 2.

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Low closing expenses

By eliminating some of the upfront costs, RBFCU helps you turn your dream into truth. Qualifying loan types consist of: Conventional fixed-rate, 100% Financing, Jumbo, Construction and 5/5 adjustable-rate.

In addition, members have the choice to buy discount points to reduce their rate.

Let us walk you through the mortgage process

1. Get prepared Buying a home is a huge commitment and you'll desire your financial resources to be in excellent condition before you start the procedure to make sure the very best possible outcome. Gather your monetary information, like recent income tax return, financial declarations and pay stubs