Home Loans
Mortgage Loan
Find your dream home and start the process of purchasing or refinancing it with one of our loans built for you and your family.
Mortgage Loan
Welcome to your new home with our convenient loan and mortgage process. With our members in mind, we partnered with Member Home Loan to offer a variety of loan and refinancing products that include:
- Conventional, VA and Jumbo
- USDA (United States Department of Agriculture)
- Low Down Payment
- First Time Home Buyer
- Fixed and Adjustable terms to 30 years
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NMLS Information
Home Equity Loans
Leave the DIY to the experts and use a Home Equity Loan to do all the renovations that will build the home of your dreams.
Home Equity Loans
Use the equity from your home to get a loan you can use towards home improvements or other large expenses like debt consolidation and education.
- Financing up to 15 years
- Competitive Home Equity Loan rates
- Interest may be tax deductible (consult with your tax adviser for more information)
Rates:
| Term for 1st Lien Home Equity Loan | Rate as low as | APR* as low as |
|---|---|---|
| 120 months | ||
| 180 months | ||
| Term for 2nd Lien Home Equity Loan | Rate as low as | APR* as low as |
| 120 months | ||
| 180 months |
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NMLS Information
*APR stands for Annual Percentage Rate. Loan rates are in effect as of February 29, 2024, and subject to change without prior notice. APR based on $50,000.00 loan amount with $695 estimated closing costs. Loan amount is based on 80% of appraisal value less existing lien. Minimum loan amount is $10,000.00. Maximum loan amount is $400,000. Rates apply to new Home Equity Loans or Home Equity Loans refinanced from other institutions. Rates shown are the lowest available for each term listed. All loans are subject to approval; your rate may be higher based on credit performance.
ITIN Mortgage
Settle in the house of your dreams with our mortgage built for Individual Tax Identification Number (ITIN) holders.
ITIN Mortgage
River City FCU believes everyone should have an opportunity to own their own home. That is why we’re excited to offer a mortgage to our members with an Individual Taxpayer Identification Number (ITIN).
This program allows members who have lived in Bexar County for a minimum of three years, to enjoy the homeownership dream.
We schedule appointments face-to-face with applicants to take their application and walk them through the financing process, so they won’t have any surprises.
- Loan limits from 40,000 to 250,000
- 30-year term, first 10 years have a fixed rate
The ITIN Mortgage Requirements:
- First Mortgage purchase only
- Minimum of 10% down payment required
- Must have a River City FCU membership
- Must have a valid ITIN for at least 2 years
- Property must be owner occupied
- Seller concessions cannot exceed 6%
- Additional proof of credit history may be required
To schedule an appointment for your application, please email Community@Rivercityfcu.org.
Casa Verde Weatherization Program
You may qualify for free weatherization programs. CPS Energy has a free program that helps income-qualifying homeowners and renters to save money on their electricity bill with free energy efficiency improvements. The program is called the Casa Verde weatherization program.