Mortgage Loans for Every Purpose
Buying a home is a big, often time-consuming, process, but with an R-G Federal Credit Union home loan it can be bit easier. At R-G there is no hard sell, no "junk" fees, just really good advice and really great mortgage rates from your hometown credit union. Why work with a faceless web-based company when our local mortgage representatives are here to help every step of the way?
Real Home Loan Options with Real and Genuine Service
R-G Federal Credit Union home loan options include fixed rate mortgages, VA home loans, mortgage refinance, and first-time homebuyers’ programs. Many members who thought buying a home was out of their reach have been helped by one of R-G’s mortgage options to buy a home instead of renting. At R-G, you’ll work with a local mortgage specialist from the very beginning. We know our members, we know the market, and together, we’ll find the right mortgage for you.
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Fixed Rate Mortgage Loan
With an R-G home loan you won’t be surprised by a sudden change in your monthly payment due to a rate change. All of our first mortgage products offer a low fixed rate. Get the home loan payment you can afford with convenient terms from 10 years to the traditional 30 years.
Current First Mortgage Rates - Purchase
| Loan Type |
APR as low as |
| 10 Year Fixed - 80% LTV |
5.75% |
| 15 Year Fixed - 80% LTV |
6.00% |
| 20 Year Fixed - 80% LTV |
6.25% |
| 30 Year Fixed - 80% LTV |
6.50% |
VA Home Loan
Are you a veteran or current service member looking to take advantage of your VA home loan benefit? R-G offers VA loans with no down payment, competitive rates and closing fees, and no need for Private Mortgage Insurance (PMI). Whether you're looking to purchase a home, refinance your existing home for cash-out, or just take advantage of IRRL (Interest Rate Reduction Loan), R-G is here for you every step of the way.
Current VA Mortgage Rates - Purchase
| Term |
APR* as low as |
| 10 Year Fixed - 80% LTV |
5.50% |
| 15 Year Fixed - 80% LTV |
5.75% |
| 20 Year Fixed - 80% LTV |
6.00% |
| 30 Year Fixed - 80% LTV |
6.25% |
Refinance Mortgage Loan
Refinancing your mortgage does not always have to be about lowering your payment or interest rate.
- Do you want to consolidate high interest bills?
- Do you want to do home improvements?
- Do you want to pay off your home sooner?
Many R-G members have enjoyed big monthly savings in the form of lower monthly mortgage payments, or completed projects they didn't think they could afford by putting the equity in their home to work and refinancing their current mortgage. If you answered yes to any of the questions above, let us help you reach all your financial goals by refinancing your home mortgage. You'll enjoy the same great programs and low fixed rates we offer on purchase mortgages when you refinance with R-G today.
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First Time Home Buyer Program
For first-time homebuyers, the daunting purchase process is often overshadowed by worries about the size of the down payment. With R-G's first-time homebuyer program, qualified applicants can get a conventional mortgage with a loan to value (LTV) up to 97%. That means you can finance a home purchase with a down payment as little as 3% of the purchase price of your home (that's only $6,000 for a $200,000 home)! Apply with R-G and rest easy knowing your down payment won't be a deal-breaker.
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Who Can Apply for an R-G Federal Credit Union Home Loan?
As a credit union, R-G products and services are available to qualifying members. You don't have to be a member to apply for a home loan, but you will need to qualify for membership as part of the application process. Becoming a member of R-G is easy, as membership is open to persons who live, work, worship, or attend school in the Missouri counties of Bates, Benton, Cass, Henry, Hickory, Jackson, Johnson, Morgan, Pettis, St. Clair, and Vernon. If you are not sure if you meet the membership requirement, contact us and a real person will be happy to help.
We currently offer mortgage loans anywhere in the state of Missouri and in the state of Kansas, within a 100 mile radius of Belton, MO.
Real Estate Manager
Jinette Fraser (NMLS ID 715738)
866-852-6478
Real Estate Loan Officer
Debbie Cornelius (NMLS ID 556783)
866-852-6478
Real Estate Loan Officer
Frankie Brandenburg (NMLS ID 1711553)
866-852-6478