Mortgages
NMLS: 434922
Fixed Rate Mortgages
Four Points Federal Credit Union offers conventional fixed rate mortgages that provide consistent monthly payments for the life of the mortgage loan.
Adjustable-Rate Mortgages (ARMs)
Four Points Federal Credit Union offers adjustable-rate mortgages (ARMs) that offer an interest rate that may change over time, typically starting with a lower fixed rate for an initial period.
FHA Loans
Four Points Federal Credit Union offers FHA loans that are ideal for first-time homebuyers and those who may need flexible credit requirements or a low down payment.
- Low down payment options
- More lenient credit score requirements
- Fixed-rate options for predictable monthly payments
VA Loans
Four Points Federal Credit Union offers VA loans with exclusive home financing benefits for eligible veterans, active-duty military members, and surviving spouses.
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit and income requirements
- Refinance options available
Lot Loans
Four Points Federal Credit Union offers lot loans that make it easy to purchase land now and build later.
Construction to Permanent Loans
Four Points Federal Credit Union offers construction to permanent loans that seamlessly transitions from the construction phase to your permanent mortgage.
