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Nothing but the best for our neighbors
Whether your next home is in Nebraska or somewhere else, you'll always get 'family-and-friends' quality service here. 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.
- Flexible financing terms available
- Low down payment options
- Stable monthly 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 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.
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.