Come home to limitless possibilities with a SkyPoint Federal Credit Union Home Mortgage. Whether purchasing or refinancing, we will help you achieve your home ownership goals with one of our home mortgage options*!

Questions? Call us at 571.490.8009

Mortgage Purchase

Mortgage Purchase

Purchase a new home with a Mortgage Loan from SkyPoint Federal Credit Union


Mortgage Refinance

Refinance Your Mortgage

Refinance your Mortgage with a SkyPoint Mortgage Loan.


Loan Programs

Other Mortgage Loan Programs

We understand that not everyone's situation is the same. That's why we have a range of Mortgage Loan Programs that will fit your needs.

Mortgage Loan Programs

First Time Home Loan

Designed for the first-time home buyer without a large down payment.

  • Up to 97% Loan-To-Value
  • Loan amounts up to $417,000.
  • Choose from a 7/1 ARM or 5/1 ARM
  • Ability to cancel the Private Mortgage Insurance when your equity increases

15- and 30-year Fixed Rate Mortgages

If you plan to stay in your home for many years and want the security of knowing your rate will not change.

  • Fixed rate for the life of the loan
  • Up to 90% Loan-To-Value

Dream Mortgage New

Borrow up to 100% of the value of your new home — which means no down payment!

  • 100% financing is available on these programs: 30-year fixed, 15-year fixed, 15/15 ARM, and 5/1 ARM
  • Loan amounts up to $500,000
  • Primary residence purchases in MD, VA, DE, PA, WV
  • Minimum credit score of 720
  • PMI required

*Certain restrictions apply. Ask for details. 


Get Started Today

Apply for your Mortgage Loan in just 10 minutes!

Apply Now

This website is connected to third party websites. The links are for informational purposes only and not an endorsement of those products or services. Third party websites accessed by links are not part of the credit union or its website. Be sure you know your privacy rights when offering information to those sites. This website may be used for authorized purposes only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. 1) Annual Percentage Rate effective 8/1/2016 subject to change and credit qualification. Auto loan example compares a balance of $20,000 repaid over 60 months. 2) Mortgage cost example is based on a $200,000 mortgage average origination fee in the State of Maryland. 3) Average Bank Rates provided by BankRate.com. Although the information has been obtained from the various financial institutions, the accuracy cannot be guaranteed.