Home Financing Options

Let's get you into a home that makes you really happy.
First Time Homebuyer Purchase Credit (5/1 - 9/30)

Looking to buy a home for the first time? Let us guide you in the right direction. A first time home loan with Four Points means less stress and and lower closing costs!

For a limited time, qualifying first time home purchases are also eligible for a $575 closing cost credit. Give us a call or apply online today!


Disclosures
 
Valid 5/1/2022 – 9/30/2022. Promotion, rates, and terms subject to change or end without notice. $575 credit applied towards borrower's closing costs. Member pays for all other fees and services. Not valid on home equity products. Limited to first time home buyers without ownership interest in the previous three (3) years. Not to be combined with other discounts or offers. Limit one (1) credit per loan transaction. Lender credit given for originated loans. Offer may be withdrawn at any time.

Unlock the Door

Highlighted features of product

Fast action
Our online application process is quick and easy.
It's your choice
We offer both fixed-rate and adjustable-rate loan options.
First-rate rates
Lower priced mortgages can save you a bundle over the long haul.
Here for you
We service all our mortgage loans, so you can come to us with any questions.

Nothing but the best for our Omaha neighbors

Whether your next home is in Nebraska or somewhere else, you'll always get 'family-and-friends' quality service at Four Points Credit Union. That means low borrowing costs, clear explanations about your home loan options, and friendly assistance all the way through the mortgage application process. You may have heard that getting a mortgage can be overwhelming and stressful. At Four Points Federal Credit Union, we beg to differ.

Fixed-Rate Mortgages

  • Flexible financing terms available
  • Low down payment options
  • Stable monthly mortgage payments for life of loan
  • Low closing costs

Adjustable-Rate Mortgages (ARMs)

  • Loan caps limit rate increases in any one year or over the life of the mortgage loan
  • Good option if you think interest rates may fall, your household income is likely to rise, or if you plan to move again soon

Having A Plan In Hand

Funding a home loan takes a few steps beyond submitting your initial application. This is why we've created a handy funding timeline, to visually guide you through the entire process.

Disclosures

Mortgage rates listed on our website are an estimate only. While we try to maintain the most up-to-date rates on our site, we cannot guarantee their accuracy due to frequent market fluctuations.

Fixed Rate Mortgages: Mortgages are limited to 95% loan-to-value with a 5% required down payment on purchases. Rates on Fixed Rate Mortgages can change at any time. For the most current rates, please call our Mortgage Team at 1-800-323-2786. Payment example: a 30-year Fixed Rate Mortgage with a loan amount of $100,000 @ 4.500% is approximately $506.69. This includes estimates for processing fees, title fees, and other origination charges based on costs in the state of Nebraska. It does not include payments for property taxes and homeowner’s insurance. We do not escrow for taxes and insurance.

Adjustable Rate Mortgages: Interest rates for ARMs are subject to change monthly. For ARMs, after the fixed-rate period, your interest rate will adjust up or down according to our published rates at the time of reset. Rates are available here: Check Rates. Payment example: a 30-year mortgage with a loan amount of $100,000 @ 4.500% is approximately $506.69. This includes estimates for processing fees, title fees, and other origination charges based on costs in the state of Nebraska. Your interest rate and costs may vary. Does not include payments for property taxes and homeowner’s insurance, which are required. It does not include payments for property taxes and homeowner’s insurance. We do not escrow for taxes and insurance.

Disclosures for all 1st Mortgage types: The rates and payment examples in the above disclosures are for information only and only calculate principal and interest. Flood and/or property hazard (homeowner’s) insurance may be required. All Four Points loan programs are subject to credit approval and may change at any time with or without notice.

Four Points Federal Credit Union is a full-service credit union headquartered in Omaha, Nebraska.

Ready, Set, Grow!

No matter your next step, Four Points FCU can help you get there

Purchase Rewards Checking

What's better than a completely free Checking account? How about one that rewards you for using it…