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Purchasing a home is an exciting – and financially important – step for anyone to take.
Whether you are buying a home for the first time, upgrading your home, relocating, or investing in a vacation home, we’ve got a Home Loan program for you. CrossPoint Federal Credit Union makes mortgages, second mortgages, home equity loans, Home Equity Line of Credits, and HECMs easy and understandable so you can enjoy that new home or vacation home as soon as possible.
Home Loans
CrossPoint Federal Credit Union home mortgage lending programs are offered in partnership with Allanach Mortgage Group Corporation. For questions or to apply for a new home mortgage or to refinance an existing home mortgage, please contact our home loan team at 203.288.1695.
- Streamlined, online mortgage or home loan refinance application process
- Quick approval turnarounds for home mortgages or refinance loans
- Conventional fixed or adjustable-rate mortgages
- VA, FHA and USDA government home lending programs
- Options can include 100% mortgage financing, low down payment mortgages, or generous advances
CrossPoint Federal Credit Union offers convenient fixed-rate home equity loans so homeowners can borrow against the equity in their homes. These are some of the best home equity loans available today.
- Perfect for home improvements, renovations, or major repairs (such as a roof)
- Fixed home equity interest rates
- Home equity funds are delivered to homeowners as a lump sum
- Home equity loans are paid back over a set term
CrossPoint Federal Credit Union offers low-interest home equity lines of credit so homeowners have money available to them to use for planned and unexpected expenses. These HELOC loans are popular with homeowners and carry some of the best home line of credit rates available.
- Convenient way to pay for short-term, recurring costs, such as college tuition
- CrossPoint will pre-approval you for a set amount that you can withdraw when needed
- Monthly payments are based on the amount borrowed and the current interest rate
CrossPoint Federal Credit Union offers low-interest home equity conversion mortgage programs for seniors who have built equity in their home and now need the funds for planned or unexpected expenses. These HECM loans are popular with seniors and carry some of the best rates available.
- Convenient way to pay for taxes, medical expenses, credit card debt, and home maintenance expenses
- For homeowners 62 or older
- Combines a Home Equity Loan and a Home Equity Line of Credit (which can grow tax-free over time)
- NO monthly payments for these HECM loans
- Safe, government FHA loan gets paid back when you move or pass away
- Fixed-rate HECM loans and adjustable-rate HECM options available
CrossPoint Federal Credit Union members who are homeowners can use this home equity loan to buy or renovate a second home, vacation home, or an additional investment property. These low-interest home equity loans are perfect for borrowers who want to use a second mortgage to build greater wealth. For questions or to apply, contact your local CrossPoint Federal Credit Union branch or call 203.288.1695.