Home Refinancing

Sometimes the best home improvement is a better home loan.

Ready To Refi?

Highlighted features of product

Competitive rates
Chances are good we can save you money.
Low closing costs
Use the money you save on other things you enjoy.
Personalized assistance
Our lending team can walk you through the application process.

It's a good move, even if you're staying put.

You love your house - and your neighborhood. You have no plans to uproot your life or your family. Still, you may want to consider a new mortgage. With some help from our experienced lending team, you might be able to slash your monthly payments, save thousands on overall interest charges, or eliminate your debt years ahead of time.

  • Fixed-rate and adjustable-rate loans
  • Flexible financing terms available
  • Take advantage of your home's equity with cash-out options
  • Fast online application
  • Easy closing 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

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