{"id":60,"date":"2021-04-26T14:40:20","date_gmt":"2021-04-26T14:40:20","guid":{"rendered":"https:\/\/www.skypointfcu.com\/wph\/workarearoot\/borrow\/mortgage"},"modified":"2024-02-16T17:04:02","modified_gmt":"2024-02-16T21:04:02","slug":"mortgage","status":"publish","type":"page","link":"https:\/\/www.skypointfcu.com\/wph\/workarea\/borrow\/mortgage\/","title":{"rendered":"Mortgage"},"content":{"rendered":"<div class=\"band content-hero-v003 content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h1>Mortgage<\/h1><h4>Come home to limitless possibilities with a SkyPoint Home Mortgage. Whether purchasing or refinancing, we will help you achieve your home ownership goals.<\/h4><a href=\"https:\/\/mortgages.cumortgage.net\/apply.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\" target=\"_blank\" class=\"btn-blue-1\">Apply now<\/a><a href=\"https:\/\/mortgages.cumortgage.net\/rates.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\" target=\"_blank\" class=\"btn-blue-1\">Current rates<\/a><\/div><div class=\"feature-wrap-image\"><figure class=\"feature-wrap-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-hero-family-lying-playing-pillows.jpg\" alt=\"\"><\/figure><\/div><\/div><\/div><\/div>\n\n<div class=\"band\"><div class=\"zone zone-custom-content-block-3\"><div class=\"zone-title\"><h2>Packed with great features<\/h2><\/div><div class=\"feature-wrap\">\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"closing_cost_estimates\"><figure class=\"feature-image-inner\" style=\"color:block-color-1\"><span class=\"fa fa-calculator\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Closing cost estimates<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"closing_cost_estimates\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Get an estimate of closing costs<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"rebates\"><figure class=\"feature-image-inner\" style=\"color:block-color-1\"><span class=\"fa fa-dollar-sign\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Rebates<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"rebates\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Receive a rebate when you buy or sell a home<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n\n<div class=\"feature clickable-div clickableDiv\"><div class=\"feature-padding\"><button class=\"feature-image panel-closed\" ncr-toggle=\"reduced_paperwork\"><figure class=\"feature-image-inner\" style=\"color:block-color-1\"><span class=\"fa fa-leaf\" aria-label=\"icon\" role=\"img\"><\/span><\/figure><h2>Reduced paperwork<\/h2><span class=\"fas fa-caret-down\" aria-label=\"caret\" role=\"img\"><\/span><\/button><!--feature-image--><div class=\"feature-content panel-closed panel-off-900 panel-accordion\" ncr-panel=\"reduced_paperwork\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><p>Get pre-qualified in minutes<\/p><\/div><\/div><\/div><!--feature-content--><\/div><!--feature-padding--><\/div>\n<\/div><!--feature-wrap--><\/div><!--band-cta--><\/div>\n\n<div class=\"band content-fullwidth band-custom-tabbed-content-1\"><div class=\"zone\"><div class=\"feature-wrap\"><div class=\"feature-wrap-title\"><h2>Limitless possibilities<\/h2><h4>Explores our Mortgage options<\/h4><\/div><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\">\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"purchase_img_tab\"><span class=\"text\">Purchase<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"purchase_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-couple-move-dad-holding-boy.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Purchase a new home with a Mortgage Loan from SkyPoint Federal Credit Union<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Competitive Rates<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Preview a variety of loan programs and pricing options<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">6 step streamlined mortgage process<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/mortgages.cumortgage.net\/Learn\/purchasingahome.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\">Learn more<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"refinance_img_tab\"><span class=\"text\">Refinance<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"refinance_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-woman-couch-sitting-relaxed.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Refinance your Mortgage with a SkyPoint Mortgage Loan.<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Get a more favorable rate<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Reduce monthly payments on a fixed rate loan<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Convert your existing equity to cash for college, home improvements, debt consolidation or financing a vacation home<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/mortgages.cumortgage.net\/Learn\/refinancing.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\">Learn more<\/a><\/p>\n\n<\/div><\/div><\/div>\n\n<div class=\"feature-cta\"><a href=\"javascript:void(0);\" class=\"panel-closed\" ncr-toggle=\"secondhomefinancing_img_tab\"><span class=\"text\">Second Home Financing<\/span><\/a><\/div><div class=\"feature-content-text panel-closed panel-accordion panel-cant-close panel-no-trap\" ncr-panel=\"secondhomefinancing_img_tab\"><div class=\"feature-content-text-promo\"><div class=\"feature-content-text-promo-image\"><figure class=\"feature-content-text-promo-image-inner cover-image\"><img decoding=\"async\" src=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/wp-content\/uploads\/2021\/05\/img-promo-couple-beach-swing-relaxed.jpg\" alt=\"\"><\/figure><\/div><div class=\"feature-content-text-promo-cta\">\n\n<p>Purchase your dream vacation home with SkyPoint&#8217;s Second Home Financing. Contact us to get started.<\/p>\n<ul>\n<li>For the purchase of second homes<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Up to 90% financing for purchasing properties<\/li>\n<\/ul>\n<p><a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/contact\">Contact us<\/a> <a class=\"btn-blue-1\" href=\"#second-home\">Learn more<\/a><\/p>\n\n<\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<hr class=\"wp-block-separator has-text-color has-main-color-color has-css-opacity has-main-color-background-color has-background is-style-dots\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Other mortgage loan programs<\/h3>\n\n\n\n<p class=\"has-medium-font-size\"><strong>Dream mortgage<\/strong><\/p>\n\n\n\n<p>Borrow up to 100% of the value of your new home \u2014 which means no down payment!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>100% financing is available on these programs: 30-year fixed, 15-year fixed, 15\/15 ARM, and 5\/1 ARM<\/li>\n\n\n\n<li>Loan amounts up to $500,000<\/li>\n\n\n\n<li>Primary residence purchases in MD, VA, DE, PA, WV<\/li>\n\n\n\n<li>Minimum credit score of 720<\/li>\n\n\n\n<li>PMI required<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\"><strong>First time home loan<\/strong><\/p>\n\n\n\n<p>Designed for the first-time home buyer without a large down payment.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Up to 97% Loan-To-Value<\/li>\n\n\n\n<li>Loan amounts up to $417,000.<\/li>\n\n\n\n<li>Choose from a 7\/1 ARM or 5\/1 ARM<\/li>\n\n\n\n<li>Ability to cancel the Private Mortgage Insurance when your equity increases<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-medium-font-size\" id=\"second-home\"><strong>Second Home Financing<\/strong><\/p>\n\n\n\n<p>Make the dreams of owning your own vacation home come true. With SkyPoint\u2019s Second Home Financing, we\u2019ll help you make the purchase of your vacation dreams a reality!<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Can be used for the purchase of second homes, such as vacation homes, but cannot be used for rental properties or purchasing multi-family dwellings.<\/li>\n\n\n\n<li>Up to 90% financing for purchasing properties. Enjoy purchasing your second home with down payments as low as 10% of the home\u2019s value.<\/li>\n<\/ul>\n\n\n\n<p>For more information about Second Home Financing, contact us.<\/p>\n\n\n<div>\n<a class=\"btn-blue-1\" href=\"https:\/\/www.skypointfcu.com\/wph\/workarea\/contact\" target=\"_self\">Contact Us<\/a>\n\n<a class=\"btn-blue-1\" href=\"https:\/\/mortgages.cumortgage.net\/wizard\/LoanConsultant.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\" target=\"_self\">Check rates<\/a>\n<\/div>\n\n<div class=\"band content-fullwidth\"><div class=\"zone\"><div class=\"feature-wrap feature-wrap-custom-product-block blue-blue\"><div class=\"feature\"><div class=\"feature-padding\"><div class=\"feature-content\"><div class=\"feature-content-text\"><div class=\"feature-content-wysiwyg\"><h2>Get started today<\/h2><p>Apply for your Mortgage loan in minutes!<\/p><\/div><\/div><div class=\"feature-cta\"><a class=\"\" href=\"https:\/\/mortgages.cumortgage.net\/apply.asp?siteId=D1E51499-596F-4DBF-8696-1D31B17D3F72\" target=\"_self\">Apply now<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"Other mortgage loan programs Dream mortgage Borrow up to 100% of the value of your new home \u2014 which means no down payment! First time home loan Designed for the first-time home buyer without a large down payment. Second Home Financing Make the dreams of owning your own vacation home come true. With SkyPoint\u2019s Second [&hellip;]","protected":false},"author":1,"featured_media":0,"parent":45,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"template_back.php","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_excerpt":[],"footnotes":""},"class_list":["post-60","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mortgage - SkyPoint Federal Credit Union<\/title>\n<meta name=\"description\" content=\"SkyPoint Credit Union provides competitive home loan rates for the greater Washington D.C area residents that are purchasing a new home or refinancing your current mortgage.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage - 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