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Home Loans For The Quad Cities And Beyond

Mortgages For Every Home Financing Need

Whether you are seeking a pre-approval for your first home purchase or looking to cash out on a home equity loan, we’re here to help you through the process.


Know what you can afford and show sellers you are serious about purchasing a home with a pre-approval from R.I.A12.

Flexible Home Loans

We are proud to offer flexible loan options including fixed-rate mortgages, adjustable rate loans, FHA, VA and USDA loans.


Now is a great time to refinance. Save big by paying off your loan over a shorter term with a historically low rate.

Home Equity Loans

Get access to the cash you need for that next big home project or big purchase with a home equity loan from R.I.A13.

Competitive Rates

R.I.A. Federal Credit Union is proud to offer extremely competitive rates11 with flexible payment terms.
Rates as low as 2.500%
TermRateAPRMonthly Payment
30 Year Fixed3.250%123.411%12$435.21
20 Year Fixed3.000%123.225%12$554.60
15 Year Fixed2.625%122.913%12$672.69
10 Year Fixed2.625%123.046%12$948.39
10 Year ARM*2.750%122.906%12$408.24
5 Year ARM*2.500%122.654%12$395.12
Investment 5 Year ARM*Contact us for rates--
ConstructionContact us for rates--
VA, FHA, and USDAContact us for rates--
Rates as low as 3.250%
5 Year Home Equity (up to 80% LTV)3.250%133.658%13
5 Year Home Equity (up to 100% CLTV)5.240%135.656%13
10 Year Home Equity (up to 80% LTV)3.750%133.964%13
10 Year Home Equity (up to 100% CLTV)6.240%136.464%13
Variable HELOC 80% LTV3.250%133.396%13
Variable HELOC 100% CLTV5.000%135.153%13

Meet Our Home Loan Team

Our dedicated mortgage team is here to understand your needs, answer your questions and help guide you through the home loan process.

Courtney Contreras

Mortgage Loan Expert

Josh Mercer

Mortgage Loan Expert

Omar Garcia

Home Equity Specialist

We’ve Got A Loan For That

Whether you’re buying your first home or your fifth, our team is here to help. Tailor your purchase to your lifestyle by choosing the solution that works best for you.


Purchase your primary home, vacation or investment property. The possibilities are endless. 


Loans through the FHA, VA, and USDA make homeownership more accessible for qualified buyers.

Fixed Rate

Balance your budget and know what to expect with predictable monthly payments.

Adjustable Rate

With low interest rates early on, you can pack on some huge savings. 

Home Loan FAQ

You have questions. We have answers. See below for a list of our most frequently asked home loan questions.

Can I still get a loan if I have bad credit?

We offer a Credit Builder Loan Program focused on determining the best route for our members to secure a loan. An R.I.A. loan officer will work with you to better understand your individual circumstances. For more information contact our team.

Do you offer any programs for first time home buyers?

Buying your first home can be overwhelming. To make the process a little easier, we do have first home buyer programs available. For full details contact our mortgage team.

Do I need to be a member to apply for a loan?

Membership is not required to apply for a loan with R.I.A. Federal Credit Union. However, you will need to become a member to finalize the loan. When you open an account with us you become a member of our credit union.

How long does the home loan application process take?

In most cases, decisions are made on home loan applications in 24 hours. However, closing times vary. Contact our mortgage team for more details on home loans at 800-742-2848.

What documentation will I need for a home loan application?

Our team is committed to helping you navigate the process of applying for a home loan. There are verification requirements that need to be met, but typically you will need some form of income verification. This can include a W2, 1099, pay stubs or your tax return. If you are refinancing your current mortgage, you may need your most recent mortgage statement. Contact a member of our mortgage team for more information.


12. Home Loans

    • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
    • Payments based upon a $125,000 purchase price with 20% down, loan amount of $100,000. Taxes and insurance premiums are not included in the payment. The actual payment obligation may be greater.
    • Loans are subject to credit approval. Restrictions may apply.

13. Home Equity

      • Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.
      • Loans are subject to credit approval. Restrictions may apply.
      • For example, a 60-month Fixed Home Equity Loan for $10,000 at a 3.25% APR, the monthly payment will be approximately $180.80. 
      • For example, a 60-month Home Improvement Loan for $20,000 at a 5.24% APR, the monthly payment will be approximately $379.63.
      • For example, a 120-month Power Equity Loan for $20,000 at a 6.24% APR, the monthly payment will be approximately $224.46.
      • Home Equity Lines of Credit are variable-rate loans. Rates as low as 3.25% APR are based on an evaluation of credit history, CLTV (combined-loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The plan has a maximum APR of 18%. Closing costs vary by state and range from $100-$500. 

Still Have Questions?

Get Started

Ready to take the first step toward your home loan needs? Apply for a loan with R.I.A. today.