Couple wrapped in a blanket holding up a cut out of a home so one day they will have a mortgage Couple wrapped in a blanket holding up a cut out of a home so one day they will have a mortgage

Make your home ownership dreams come true

SouthPoint Home Mortgage

If you want a mortgage loan from a team you trust, you can rely on SouthPoint Home Mortgage, a division of SouthPoint Financial Credit Union. With home loan options to fit every buyer, we’ll point the way home.

Purchasing a home

Are you a first time homebuyer? Maybe you’re a seasoned homebuyer looking to purchase a vacation home or rental property. Wherever you land, SouthPoint Home Mortgage will work with you to ensure you get the best loan option for your needs at a rate you can afford.


Refinancing your home could mean big savings at a lower rate. With a restructured application process, we can get your home refinanced faster than ever before. That means you can pay off your mortgage sooner while lowering your monthly payments. Our Mortgage Loan Officers will work with you to see if the timing is right for you to refinance.

Home Equity Line of Credit

Your home is a powerful asset. If you have an upcoming large expense or are renovating your current home, SouthPoint Financial Credit Union can help you use the equity in your home.

With rates as low as 2.99% APR* for the first 12 months, it is the best time to open a HELOC. After 12 months rate will vary between 4.00% – 18.00% based on your creditworthiness.

Use your line of credit how you see fit, when you need it. Apply Now

What you should know about Home Equity Lines of Credit.
Home Equity Early Disclosures

Save for a first home

Start saving today and deduct 100% of your interest earned from your Minnesota taxes. People saving for a down payment on their first home in Minnesota can now take advantage of the First-Time Homebuyer Savings Account. This program lets individuals or couples, parents and grandparents save money in a tax-preferred savings account to go toward the purchase of a first home. Talk with a Mortgage Loan officer or stop into any of our branches to find out more about this savings account.

First-time Homebuyer Savings Account FAQ’s

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