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Local Home Loans

Local Servicing | Local Expertise

Local Home Loans

Local Servicing | Local Expertise

Buy a Home

For more than 65 years we’ve helped thousands of people just like you realize their dreams of home-ownership, and we understand the challenges and joys that come with buying a home – whether it’s your first home, second home or investment property. You can rely on Redstone Federal Credit Union® to guide you through every step of the home-buying process, from getting pre-approved to planning your move.

Featured Rates

Get your personalized quote. Start Your Application


Prefer to work with a specific member of our team? Get started on our Mortgage Team Page.

Which is Right for You?

Compare some of our most popular mortgage options below.

Mortgage Types

Great Option

Benefits & Features

Conventional Fixed-Rate Loans

If you are buying a home that you plan to live in long term or like the predictability of a fixed rate

  • Down payment as low as 3% of purchase price
  • Rate remains the same over the life of the loan
  • Consistent monthly payments

First Time Homebuyer

If you are a first time home-buyer looking for easier qualifications and a low down payment option

  • Finance up to 105%2
  • Save money with our no PMI option

Adjustable-Rate Mortgage (ARM)

If you are planning to move in the next 5-7 years

  • Down payment as low as 5% of purchase price
  • Enjoy low, initial fixed interest rates
  • Jumbo and refinance options available

Why choose Redstone?

Competitive rates and closing costs

When you choose Redstone, you get great rates, flexible terms, and low closing costs.

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.


Ready to apply for a Home Loan? It’s easy!

I am a Redstone Member

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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 Rate (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 online banking user name and PIN/password to access online application for Home Equity Lines of Credit. Must create separate user name and password to gain access to mortgage application process.

2The 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.