When you’re looking for the perfect house, the decisions can seem endless. Which realtor will you use? What part of town do you want to live in? How many bedrooms do you need? Should you buy a starter home and move up as needed? Would it be better to buy a bigger house with the future in mind?


At Crosspoint FCU, we want to make sure the financing is the easiest part of your home search. Whether you’re a first-time home buyer or a homeowner who wants to tap into your existing home equity, our home loan programs are designed to help you accomplish your real estate goals.

Crosspoint Perks


Through our partnership with Members Mortgage, we can streamline your mortgage application process with an online loan application and instant approval decision. We offer standard, conventional, fixed, and adjustable mortgage loans, as well as competitive refinance programs for existing mortgages.

For fast approval, please contact our lending manager, Clint Bramlett, at (203) 288-1695.

Home Equity Loans

Improving your home is a worthwhile investment, but it can still be expensive. If you’re looking to build an addition, install a new roof, or complete some much-needed renovations, our Home Equity Loans may be your best financing solution.

With a Crosspoint Home Equity Loan, you can borrow money by leveraging the equity you’ve accumulated through the years. We offer the stability of a fixed interest rate and deliver a lump sum, which must be paid back over a set term.

Home Equity Line of Credit (HELOC)

With a Home Equity Line of Credit, you obtain pre-approval for a set amount, and you enjoy the flexibility of withdrawing the money only when you need it. Monthly payments are based on the amount borrowed and the current interest rate.

HELOC’s offer a convenient way to pay for short-term, recurring costs, such as college tuition payments.

Home Equity For Seniors (HECM)

If you are 62-years-old or older, a Home Equity Conversion Mortgage (HECM) combines a Home Equity Loan and a Home Equity Line of Credit to provide an incredibly valuable benefit – NO monthly payments! This Safe Government FHA loan gets paid back when you move or pass away. Fixed-rate and adjustable-rate options are available.

A HECM from Crosspoint Federal Credit Union gives you a convenient way to pay for expenses like taxes, medical expenses, credit card debt, and home maintenance expenses. As an additional perk, HECM’s Line of Credit can grow tax-free over time.