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.


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.

Ready to Apply?

Just complete an application, and bring it to any 5Point store. You can also fax your application to 409.726.8376 or email* it to mortgage@5pointcu.org. The process will move faster when you come 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)


Download the application before filling it out to ensure your answers are saved.​

Making Payments is Easy.

Log in to the Payment Center to make a payment on your mortgage.

*Any confidential information sent through email may not be secure. We recommend submitting your application in person or through fax for maximum security.