Mortgages

Low-Cost Fixed and Adjustable Rate Mortgages

Notice: 3/11/2020 Due to unprecedented mortgage application volume, we are temporarily no longer accepting new applications. We plan to begin accepting applications again soon. Please check back here for updates. Thank you for your patience and understanding during this time period.

Buy Your New Home with Four Points

The Four Points Mortgage provides a fast, easy, online mortgage application and closing process. Our costs are often lower than the competition, saving you hundreds or even thousands of dollars on your mortgage.

Looking to buy a new home or refinance your existing mortgage? While this is an often overwhelming and stressful experience, Four Points eases the burden for you with great simple options and even better service. Because we also service all the loans we make, you’ll always know exactly who you’re dealing with and how to get a hold of us with any questions or concerns you have about your mortgage.

  • Competitive, Low-Cost Fixed Rate Loans
  • Flexible terms and payments to meet your needs
  • Second/Vacation Home and Investment Property Loans
  • Manage Your Own Insurance and Property Tax Payments

 

 

Check Current Mortgage Rates Online!

Buying a home is a huge commitment, and finding the best mortgage rate can be kind of a confusing process – especially for first-time home buyers. At Four Points, we offer low-interest mortgage rates so you can focus on the things that matter, like turning your new house into a home! For answers to your mortgage rate questions, please feel free to call our Mortgage Team.

 

 

Benefits of Refinancing Your Mortgage

If you have an existing mortgage, you could be surprised by the many benefits of refinancing your home loan. Current mortgage rates are incredibly low, so now is the time to take advantage of home refinance!

Refinancing to a lower rate is a great way to save money by potentially reducing your monthly payment, saving on interest or paying your home off sooner. Apply now to start saving! Still not sure if a refinance is the best option? Please feel free to call our Mortgage Team to discuss your refinance options.

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 (Includes estimates for processing fees, title fees, and other origination charges based on costs in the state of Nebraska. Does not include payments for property taxes and homeowner’s insurance. We do not escrow for taxes and insurance).

ARMs: 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 (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). 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.

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.

Loans for Second Homes / Vacation Homes / Investment Properties

Looking for that perfect second home where you can get away? Or maybe you’re interested in purchasing a rental property to use as an investment. Four Points has you covered with a variety of real estate loans, all serviced in-house and backed by our outstanding member service experience.

Four Points offers competitive and low-cost fixed rate and adjustable rate financing for up to 15 years on a second/vacation home/investment property loans. We also service every loan we make, giving you the security of knowing your mortgage payments and questions will be handled by our mortgage team.

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