Home Loans: Your Home, A Powerful Financial Tool

More Products, More Choices. Our HouseKey mortgage product will provide you the financing you need for a new home or to unlock the equity in your current home. At KeyPoint FCU, we maintain an on-going personal relationship with our members. You deserve the best mortgage products with competitive rates and flexible terms. We're here to help you find the best option. Check out our rate sheet for more information.

Applying is easier than ever... FREE consultation and FAST approval process!

All loans are subject to credit approval. Keypoint does business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act and does not discriminate on the basis of race, color, national origin, religion, sex, age, marital status, handicap, familial status, because all or part of an applicant's income is from public assistance, or because an applicant has exercised a right under the Consumer Credit Protection Act. "PMI and Escrow" my be required. Some restrictions apply. Rate determined by current US Treasury index.

Conventional Loans

30-year, 20-year, and 15-year Fixed Mortgages - KeyPoint FCU gives you the ability to "lock-in" at a low, fixed interest rate for up to 30 years to finance (or refinance) your home.

Adjustable Rate Mortgages (ARMs)

Purposes include:

Purchases, Refinances, and Cash out Refinances
Lock in a low rate
Maximize your home's equity
Get needed cash fast
Make Home Improvements
Dream Vacations or family trips
Debt Consolidation: Consolidate your Credit Card debt into one, affordable payment.
Home Improvement
Money for school Tuition and expenses
Home Equity
Refinance for a lower rate and payment

Construction to Permanent Financing - While building a brand new home can be quite expensive during the initial stages, KeyPoint offers Construction-to-Permanent home loans that can help members realize their dream home from conception to completion!

100% Financing Available

Home Equity Loan Programs

Home Equity Loans
Second Mortgage Loan
Home Equity Lines of Credit

Unimproved Property Financing

Residential Lot/Acreage Loan
Up to 100% of the appraised value of the acreage
Finance up to 15 years

Other Real Estate Loans

Stated Income Programs
Interest Only Options
80/20 Home Loans
Balloon Loans
Motor homes, trailers, land