Home Mortgage

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Home Mortgages

At RPCU, it’s always a great time to finance a new home or refinance your existing mortgage. Application is fast, easy, and our rates are extremely competitive.

First Mortgages

Richmond Postal Credit Union is able to offer its members a full range of first mortgages at local and nationally competitive rates and closing costs. Whether you are a first time home buyer, an experienced real estate investor, or simply refinancing your current mortgage, we can offer you fast and efficient mortgage services. Contact a loan officer at our Main Office for more information. As always, consult with your tax advisor to learn more about the deductibility of interest on mortgages.

Second Mortgages

Fixed-rate second mortgages are very popular among our members. We also save you money with no points and no origination fees. Terms ranging from 5 to 25 years make it easy to arrange monthly payments that will suit your budget. Click here to begin your application process now, or contact a mortgage loan officer at our Main Office for assistance. As always, consult with your tax advisor to learn more about the deductibility of interest on mortgages.

Home Equity Lines

Another way to access the equity in your home is through our Home Equity Line of Credit. No points and no origination fees, which could be considered by regulation a finance charge, keep your costs at a minimum. For convenience, you can access this line over a 5 year period as needed and repay over a total of 15 years from the original loan date. Adjustments for rate changes are made on January 1st and July 1st. Contact a mortgage loan officer at our Main Office or apply right here on our website to begin your application process now. As always, consult with your tax advisor to learn more about the deductibility of interest on mortgages.

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