Abandoned Accounts | If your account has had no activity in the last year and you have not contacted the credit union, your account becomes dormant. After three years of dormancy, your account becomes abandoned, and the funds in the account will be sent to the State Comptroller by June 23, 2023. Click here for more details.
FRAUD REMINDER TO OUR MEMBERS | 5Point will NEVER call and ask for your online banking login information. Do not provide account login or card information over the phone. If you’re suspicious during a call, hang up and call the credit union directly at 1.800.825.8829 or visit your nearest branch.
Holiday Closing | We will be closed on Monday, June 19th, in observance of Juneteenth. 

Unlock the door to your dream home today.

The most important home we finance is yours. A mortgage from 5Point is built to make your home buying experience easy, so you can focus on enjoying the process as best you can. Our Mortgage Loan Officers serve as your guides, and they’ll connect you with the products that fit your life, make sure you understand the process, and help you feel confident at every step on the path toward your new home.
Mortgage Payment Calculator Mortgage Qualification Calculator APPLY NOW

Home Loans

  • We'll finance up to 90% of the sales price or appraised value (whichever is less) at the current rate for up to 30 years. Click here to view the current mortgage rates.
  • ​Closing costs range from $3,000-$5,000.
  • 1% origination fee paid at closing
  • No private mortgage insurance required

Land Loans

  • We'll finance up to 80% of the sales price or appraised value (whichever is less) at 5.25% for up to 5 years and at 6.00% for up to 15 years.
  • Closing costs range from $1,500-$2,000.

Construction Loans

  • We'll finance up to 90% of the appraisal amount at 6.50% for 9 months during construction phase 
  • Interest payment only during construction, with remaining accrued interest and principal due at maturity
  • One time closing at title company
  • 1% origination fee paid at closing
  • No private mortgage insurance required


Email our Mortgage Department at mortgage@5pointcu.org. You can also call us at 1.800.825.8829 and press menu option 4 to get immediate answers to your questions.

Click the link for our home buying guide.

Making Payments is Easy.

Log into our Payment Center to make a payment on your mortgage.

Ready to Apply?

Just complete our downloadable Home, Land, or Construction Loan Application, or click here to apply online

Downloadable Application

Click here to download an application.  Please print your completed application, and bring it to a 5Point near you, or fax it to 409.727.5126.

The process will move faster when you're prepared with these documents:
  • Completed and Signed Application
  • Proof of Income
    • Last 4 pay stubs
    • Or if self-employed, last 2 years of tax returns
  • Contract (if applicable)
  • Plans, specs, certified contractor’s bid (construction loans only)
Roxanne Washburn NMLS# 507334  |  Carol Levy NMLS# 1579462  |  Winter Smith NMLS# 1785307

This is a private website that is not affiliated with the U.S. government or the U.S. Department of Housing and Urban Development. U.S. government agencies have not reviewed this information. This site is not connected with any government agency. If you would like to find more information about benefits offered by the U.S. Department of Housing and Urban Development, please visit the official U.S. government site at https://www.hud.gov.