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First Time Home Buyers
Start at Redstone.

First Time Home Buyers
Start at Redstone.

Your First choice for Your First Home. Redstone Mortgages.

Buying your first home is one of life’s most important milestones, but the process can seem intimidating. Let Redstone help guide you through the home loan process. We’ll help make the home buying process as simple as possible and match you with the mortgage that’s right for you. Plus, being a first time home buyer has its perks. Ask us about special down payment assistance programs and no private mortgage insurance options available to qualified buyers.

Ready to start the application process or get pre-approved?

Apply Now


Tools and Resources

From Mortgage Calculators to today's rates, use these helpful tools to make an informed decision about your future.

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Calculate your monthly payment and explore your loan options

 Mortgage Calculator 

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Whether it's consistent monthly payments, down payment assistance programs, or no private mortgage insurance (PMI) options, the right mortgage is waiting for you.

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 See All Redstone Rates 

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Why choose Redstone for your Home Loan?

Competitive rates and closing costs
When you choose Redstone, you get great rates, flexible terms, and lower closing costs compared to most banks. In 2019, Redstone gave back over $1.5 million to our members in reduced mortgage fees.

Team of experts
Our Mortgage Team has years of experience and knows the real estate industry inside and out. Meet the Mortgage Team

Local servicing
From monthly payments to escrow and insurance, Redstone services nearly every mortgage we make.

See What Our Members Are Saying

What an easy application process! Staff was available to answer questions throughout the entire process.
Redstone made the application process easy, especially for someone who has never applied for a home loan.
Redstone's application process is probably the easiest and most intuitive application I have ever completed online.
Ready to Apply for a Home Loan? It's Easy!

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To schedule an appointment call 256-882-8500



Mortgages are only available for properties located in Alabama and Tennessee.

Loans subject to credit approval. Must be eligible for membership and open a share savings account to obtain a mortgage loan product. A $5 minimum balance is required to open a share savings account and must be maintained in the share savings account at all times. Annual Percentage Rates (APRs) are determined by an evaluation of applicant credit at account opening. Your APR may be different. Variable rates are subject to change after consummation of the loan. Fixed APRs are fixed for the life of the loan. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice. RFCU is an Equal Opportunity Lender. Contact Credit Union for details. Various types of mortgage loan programs and terms are available. Must have an online banking user name and PIN/password to access the online application for Home Equity Lines of Credit. Must create a separate user name and password to gain access to the mortgage application process.

Local loan servicing may not be available on USDA and VA loans. RFCU is not affiliated with any government agencies, including the U.S. Department of Agriculture (USDA) and Veteran’s Administration (VA). The USDA, VA, and RFCU are separate entities. RFCU is a VA-approved lender.

The interest on the portion of the credit extension that is greater than the fair market value of the house is not tax deductible for federal income tax purposes. Redstone Federal Credit Union® does not provide tax advice. Please consult a tax adviser for further information regarding the deductibility of interest and charges.