Four Points Federal Credit Union makes fixed rate long-term mortgage loans through a partnership program with the Federal Home Loan Bank of Topeka. Financing is available on owner-occupied property that is the primary residence of the borrower as well as on second and vacation homes.

Fixed rate financing is available up to 30 years, and loan-to-value up to 80% of appraised value.

Interest rates are at prevailing market rates of interest and origination and closing costs are similar to those of other sources offering fixed rate mortgage loans. While pricing is similar to other sources, fixed rate mortgages with the credit union have a couple of features that we think members will find of additional value.

Four Points Federal Credit Union Servicing: the credit union services the loans that we make. This simply means that, while the loan will be sold to the Home Loan Bank, our members will always work with the credit union on anything that concerns their loans. We do not sell the servicing to a third party.

No Escrows: the credit union mortgage loans do not have escrows. Our members manage their own property insurance and property tax payments rather than tying money up in an escrow account that doesn’t earn interest. We think that’s what most people prefer.

Give us a call at 800-323-2786 or 402-431-5180 for additional information and current rates.

Real estate loan applications are not available on line.
Please call 800-323-2786 or 402-431-5180 for information.

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