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.
 
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Home Loans

  • We'll finance up to 90% of the sales price or appraised value (whichever is less) at 5.00% for up to 30 years.
  • ​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 (permanent financing: 5.00% for up to 30 years).
  • Interest payment only during construction
  • One time closing at title company
  • 1% origination fee paid at closing
  • No private mortgage insurance required

Questions?

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.

Making Payments is Easy.

Log in to the 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 Applications

Download the application before filling it out to ensure your answers are saved, then bring your completed application to a 5Point near you, or fax it to 409.726.8376.

The process will move faster when you're prepared with these documents:
 
  • Completed and Signed Application
  • Proof of Income
    • Last 4 paystubs
    • Or if self-employed, last 2 years of tax returns
  • Contract (if applicable)
  • Plans, specs, certified contractor’s bid (construction loans only)
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.
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