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Explore Our Mortgage Loan Options

Whether you’re a new or seasoned homebuyer, Domain Mortgage offers a variety of mortgages to fit your needs.

Federal Housing Administration (FHA) Loans

FHA loans are insured by the Federal Housing Administration, meaning these loans are backed by the government.

If you are a first-time homebuyer, this loan may be ideal for you. That’s because it can allow you to buy a home with a low down payment and a higher debt‑to‑income (DTI) ratio.

Mortgage insurance required?

Yes

Minimum credit score

620

Terms

30, 20 and 15 years

Down payment

As low as 3.5%

Seller can pay up to

6% of closing costs

Closing costs can come from

Gifts

Adjustable-Rate Mortgage (ARM) Loans

Our ARM loans, also referred to as adjustable-rate mortgage loans, offer an initial low, fixed interest rate for the first five years. After that, rates can change every five years.

Do you plan to move frequently or anticipate refinancing your mortgage within a relatively short period of time? If so, an ARM loan may be worth exploring.

Mortgage insurance required if above

80% loan to value

Minimum credit score

620

Terms

30 years

Down payment

As low as 5%

Terms may vary for

Seller-paid closing costs (Ask for details)

Free

Float down¹

Conventional Loans

Conventional loans are well suited for homebuyers with good or excellent credit. Thanks to their long‑term stability, this is the most popular type of mortgage. It’s available for primary residences and vacation homes.

If you seek to lower your payment after closing with a principal reduction, this may be the right mortgage option for you.

Mortgage insurance required if above

90% loan to value or less (for 15-year terms and below)

Minimum credit score

620

Terms

30, 20, 15, 10 and 7 years

Down payment

As low as 3%

Free

Float down²

Lower monthly payments with

Loan recasting options³ (on select terms)

Jumbo Loans

Jumbo loans are designed for homebuyers interested in financing higher‑valued properties. This type of loan typically has stricter guidelines that can vary based on value.

If you’re shopping for a larger primary residence or vacation home, this mortgage loan may be the right choice.

Mortgage insurance required if above

80% loan to value

Minimum credit score

680

Terms

30, 20, 15 and 10 years

Down payment

As low as 5%

Options available at a

Fixed rate

Free

Float down⁴

VA Loans

VA loans are guaranteed by the U.S. Department of Veterans Affairs and provide eligible service members the opportunity to purchase a home with no money down.

If you’re a military service member, veteran or surviving spouse, consider a VA loan and the benefits this special financing option has to offer.

Mortgage insurance required?

Minimum credit score

620

Terms

30, 20 and 15 years

No down payment (with eligibility)

Up to 100% financing

Options available to

Purchase or refinance

Closing costs can come from

Gifts

VA Jumbo Loans

VA Jumbo loans are guaranteed by the U.S. Department of Veterans Affairs and provide eligible service members the opportunity to use their military benefits to purchase a higher-valued home with little-to-no down payment. This mortgage option works similarly to a VA loan, but it gives you more flexibility if you live in an expensive area or just need a loan that’s a little bit bigger.

If you’re a military service member, veteran or surviving spouse interested in a bigger home, consider a VA Jumbo loan to be a beneficial choice.

Mortgage insurance required?

Minimum credit score

640

Terms

30, 20 and 15 years

No down payment (with eligibility)

Up to 100% financing

Options available to

Purchase or refinance

Closing costs can come from

Gifts

100% Conventional Fixed Rate Loans

100% Conventional Fixed Rate loans are designed to help borrowers realize their dream of buying a home without having to save money for a down payment.

This type of loan may allow you to finance the entire purchase price of a home. It can also offer competitive, fixed rates, along with flexible‑term options.

Mortgage insurance required?

Minimum credit score

650

Terms

30, 20, 15 and 10 years

Finance entire purchase price of home

No down payment required

Seller can pay up to

3% of closing costs

Maximum loan amount

$766,550

100% Medical Professional Fixed Rate Loans

100% Medical Professional Fixed Rate loans provide practicing or newly licensed physicians, medical residents, dentists and surgeons a way to finance a home’s entire purchase price.

For eligible medical professionals, this special type of mortgage loan can offer you competitive, fixed rates as well as flexible‑term options.

Mortgage insurance required?

Minimum credit score

650

Terms

30, 20, 15 and 10 years

Finance entire purchase price of home

No down payment required

Seller can pay up to

3% of closing costs

Maximum loan amount

$850,000

Investment Loans

Investment loans are suitable for buyers who want to invest in rental houses, condos or townhomes.

If you’ve ever thought of going into the rental property business, an investment loan can help. Although these types of loans may have stricter qualifications and slightly higher interest rates, there is potential for long‑term returns in the form of monthly payments from your tenant(s).

Mortgage insurance required?

Minimum credit score

620

Terms

15, 10 and 7 years

Down payment

As low as 20%

Terms may vary for

Seller-paid closing costs (Ask for details)

Free

Float down (on select terms)⁵

Land Loans

Land loans offer a means to finance a plot of land upon which you later plan to build a home. Land loans are riskier for lenders, so their qualifications tend to be more demanding. Plus, you typically have to pay a slightly higher interest rate.

However, with a quality credit score and a promising debt‑to‑income ratio, you may qualify for lower rates.

Mortgage insurance required?

Minimum credit score

680

Terms

15, 10, 7 and 4 years

Down payment

No down payment required⁶

Seller can pay up to

6% of closing costs

Free

Float down⁷

Notes

^{1, 2, 4, 5, 7}A float down is similar to a rate lock, eliminating the risk of a rate increase. If the markets decline, you have the opportunity to reduce the rate.

³Request to recast your loan. By making a $10,000 payment towards your principal, you can recast your loan at no extra cost. Mortgage loan recasting must be executed at the same time as the regularly scheduled mortgage payment date.

⁶Additional qualifications including debt-to-income (DTI) limits are required to obtain 100% financing on land loans.

Domain Mortgage
NMLS# 862516

1 IKEA-RBFCU Parkway
Live Oak, TX 78233

1-833-552-7759
info@domainmortgage.com

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Monday - Friday
9 a.m. to 5 p.m.

Saturday
9 a.m. to 4 p.m.

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RB Mortgage LLC dba Domain Mortgage is principally owned by RBFCU Services LLC. RBFCU Services LLC is affiliated with Randolph-Brooks Federal Credit Union (RBFCU). All loans are subject to credit approval. NMLS# 862516. Rates and terms subject to change without notice. RBFCU mortgage loans are available only on property in Texas. Origination fees may apply. A primary residence refinance requires a 3-day right of rescission after closing and before the funds may be dispersed. Jumbo loans may require larger down payments and additional qualifications.
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