Buying a home is a journey. We'll help make it simple.

Ready to buy your dream home, but unsure which home loan is right for you? A conventional loan is a great option if you have a solid credit score and little debt.

Unlike government-backed loans, conventional loans offer more flexible terms and fewer restrictions. Plus, conventional loans may offer lower interest rates and APR than other mortgage loans. In fact, some first-time homebuyers may find that a conventional loan provides more cost savings than an FHA loan.

Let our mortgage experts help you navigate the home buying process to find a solution to best fit your needs.

Ready to start or get pre-approved?

Take the first step toward the right mortgage today.

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Benefits of a Conventional Mortgage
Lower down payment minimum – Down payment options as low as 3% Avoid paying PMI – No private mortgage insurance (PMI) with a 20% down payment Flexible term options – More flexible term options that are easier to customize to match your needs No residence restrictions – Available for primary and second homes and investment properties Close faster – Conventional loans require less paperwork, so they can typically be processed faster No upfront mortgage insurance – Conventional loans do not require an upfront mortgage insurance premium

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.
$2.5 Billion Mortgagaes Funded Since 2012	17,000 Homes Financed with Redstone Since 2012	45+ Years Providing Mortgage Solutions

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.

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*Local loan servicing may not be available on VA loans. RFCU is not affiliated with any government agencies, including Veteran’s Administration (VA). The VA and RFCU are separate entities. RFCU is a VA-approved lender. Applicants will need to provide a Certificate of Eligibility (COE). The COE verifies to the lender that you are eligible for a VA-backed loan. See https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/ for details. VA funding fee applies.

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 and must be maintained in the share savings account at all times. Other restrictions may apply. Rates, terms, and conditions are subject to change without notice. Contact Redstone Federal Credit Union® (RFCU®) for details. Various types of mortgage loan programs and terms are available. Must create separate username and password to gain access to the mortgage application process.

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

Buying a home is a journey. We'll help make it simple.

Ready to start or get pre-approved?

Take the first step toward the right mortgage today.

Benefits of a Conventional Mortgage

Why Choose Redstone?

Competitive rates and closing costs

Team of experts

Local servicing*

$2.5 Billion

17,000

45+ Years

See What Our Members Are Saying

Ready to Apply for a Home Loan? It's Easy!

I am a Redstone Member

I Want to Become a Member

Join The Redstone Family Today