Welcome to River City Federal Credit Union - Real Estate & Home Equity Loans.

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Loans

Affordable Home Loans

To provide its members with the most beneficial mortgage loan products in the marketplace, River City Federal Credit Union has formed an alliance with SWBC Mortgage Corporation.

Through this arrangement, both traditional and non-traditional mortgage programs are available. There is a variety of financing options available, including fixed and adjustable rates, with repayment terms of up to thirty years. Several of the benefits our mortgage program offers are:

Realtor referrals through SWBC Mortgage Corporation's "Home Plus" program
Cash back when buying or selling a home using the "Home Plus" program
24 hour pre-approval
Thirty year fixed rate financing
Conventional loan programs
Free 60-day rate locks
Tandem loans (second lien) so that principal mortgage insurance (PMI) is not necessary

There are also several refinancing options available with programs specifically tailored to meet your needs.

Don't wait a minute longer, pre-qualify for your home loan today!! Simply click on the link below or contact Suzie Harz at (210) 581-1506.

Pre-qualify for a Mortgage Loan

View Mortgage Loan Rates

LOAN TYPES

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EXTENDED COVERAGES

Vehicle Protection Package
* Guaranteed Asset Protection
* Mechanical Repair Coverage
* Payment Protection

Compare dealer cost with our low cost before you purchase!

Apply at any RCFCU office for Home Improvement and Home Equity Loans.

Home Improvement Loans

Apply for a Home Improvement loan today!

See our rates.

Features	Benefits
1. Up to 15-year term.	1. You have a choice of term and can stretch payments out over as much as 15 years meaning a low monthly payment.
2. Interest on second mortgages may be tax deductible under certain conditions depending on current tax laws.	2. You save money on taxes. Check with your tax attorney or a CPA.
3. Automatic payments can be made through payroll deduction.	3. You do not have to worry about the inconvenience of a loan payment or coupon books.

Home Equity Loans

Apply for a Home Equity Loan today!

See our rates.

Features	Benefits
1. Financing up to 15 years.	1. Flexible terms to meet the member's budget
2. Interest may be tax deductible under certain conditions.	2. Member may save money. Check with your tax advisor or accountant for advice.
3. Can be used as a debt consolidation.	3. Refinancing high rate credit cards, college tuition, credit lines and monthly payments saves you money on interest.

Home Equity Lines of Credit (HELOC)

Apply for a HELOC loan today!

See our rates.

Features	Benefits
1. Can be used for any purpose, such as education, home improvement, auto purchase, vacation, etc.	1. Members have flexibility.
2. Automatic payments can be made through monthly or bi-weekly payroll deduction.	2. Payment methods provide convenience and flexibility..
3. Line of credit advances available with a minimum of $4,000.	3. Member does not have to take advances at time of closing -- provides flexibility.

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