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Save with Redstone when refinancing your home

Competitive Rates | Member Discounts | Local Servicing

Save with Redstone when refinancing your home

Competitive Rates | Member Discounts | Local Servicing

Refinance a Home

Want to save on your monthly payments? Refinancing is a great way to take advantage of lower market rates and improve your financial management. If you want to pay down other debts or use your home’s equity for improvements, talk to our team about our Cash Out options.

Click or call 256.882.8500 to schedule an appointment, and find out which home loan option may be right for you. Prefer to work with a specific member of our team? Get started on our Mortgage Team Page.

Featured Rates

Which is Right for You?

Fixed Rate Mortgages
  • Rate remains fixed for the life of the loan
  • Consistent payment amount
  • Rates may be higher than with Adjustable Rate Mortgages
  • This option may be right for you if you've got a great rate you want to lock in for a long period of time, or if you want the stability of a fixed rate
Adjustable Rate Mortgages
  • Rate remains fixed for a certain amount of time (1-10 ARM)
  • When that time period is over, the rate will fluctuate either up or down based on market conditions
  • There are limits, or caps, on how much the rate can increase or decrease
  • This option may be right for you if you are planning to sell, pay off, or refinance before your rate adjusts
Home Equity Loan
  • Loan proceeds are a one-time lump sum
  • Rate remains fixed for the life of the loan
  • Consistent payment amount
  • Primary and secondary residences eligible
  • Investment/Rental properties not eligible

Why choose Redstone for your Home Loan?

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 servicing1

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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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 and must be maintained in the share savings account at all times. Annual Percentage Rate (APRs) are determined by an evaluation of applicant credit. 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. Contact Credit Union for details. Various types of mortgage loan programs and terms are available. Must create separate user name and password to gain access to mortgage application process.

VA Funding fee may be required. VA Approved Lender. Redstone Federal Credit Union® is not affiliated with any government agencies, including the VA.

1Local loan servicing may not be available on USDA, FHA, and VA 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.benefits.va.gov/homeloans/purchaseco_certificate.asp for details. RFCU is not affiliated with any government agencies, including U.S. Department of Agriculture (USDA) and Veteran’s Administration (VA). The USDA, VA, FHA, and RFCU are separate entities. RFCU is a VA-approved lender.