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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, FHA, and VA 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 an SWBC Mortgage Loan
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Apply at any RCFCU office
for Home Improvement and Home Equity Loans.
Home Improvement
Loans
| 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
| 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)
| 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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