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

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.

Home Equity Line of Credit

  • As Low as 2.99% APR* for 12 Months, normal rate as low as 3.99% APR*. After 12 months, rate will vary  from 3.99% – 18.00% APR*.
  • 24-Hour Access; Use Funds for Anything
  • No Annual Fee

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 Disclosure

Home Equity Adjustable Rate

  • 5/5 Home Equity Adjustable Rate
    • Fixed percentage rate for the first five years
    • Maximum increase of just 2% per rate adjustment with a lifetime maximum adjustment of 5%
    • Ability to borrow up to 90% Combined Loan To Value

apply now

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