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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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 from 5 to 20 years
- Competitive Home Equity Loan rates
- Eligible properties are single family residence, townhomes, second homes
- Interest may be tax deductible (consult with your tax adviser for more information)
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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.
Home Improvement
Our Home Improvement loan is designed to upgrade or repair your home with energy saving solutions.
Home Improvements
Whether you're making upgrades or much needed repairs to your home, this product can help you out while saving some money.
- We offer over 40 home repairs & upgrades including appliances and roof repairs
- No down payment required
- Easy online application with competitive rates and fixed monthly payments
- Make your home energy efficient and take advantage of tax credits
- Borrow as little as $500 and up to $50,000 with terms up to 240 months
*APR stands for Annual Percentage Rate as of September 1,2024. Offered rates, terms, programs, and underwriting policies are subject to change without notice.
Choose any contractor you’d like to work with. Below are some options for you::
AC/DC Electric Service: provides electric services, solar energy systems, safety and protection, low voltage systems.
Alternative Energy Source Co: provides HVAC, solar, generator and electrical services.
IKE’s Air Conditioning: provides air conditioning, heating, indoor air quality and duct services.
Independent Green Technologies of TX: provides residential solar energy systems.
Quantum Solar Power: provides residential, commercial and industrial solar energy.
RISE power: provides solar power, energy storage and generator services.
Tax Credits for Energy Efficient Home Improvements & Clean Energy
ENERGY EFFICIENT HOME IMPROVEMENT CREDIT: If you make qualified energy-efficient improvements to your home after Jan. 1, 2023, you may qualify for a tax credit up to $3,200. You can claim the credit for improvements made through 2032.
RESIDENTIAL CLEAN ENERGY CREDIT: If you invest in renewable energy for your home such as solar, wind, geothermal, fuel cells or battery storage technology, you may qualify for an annual residential clean energy tax credit.
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.