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OnPoint Mortgage

Home of the OnPoint Mortgage

Our OnPoint Mortgage is an Adjustable-Rate Mortgages (ARMs). OnPoint begins with a fixed interest rate and then adjust up or down after the initial term. ARMs are a good option for buyers who don’t plan to stay in their home for more than 5 years and want to keep their monthly payment low.

  • No origination fee
  • More purchasing power
  • Low payment, low rate

5/5 OnPoint ARM

Rate as low as*APR as low as
3.250%3.539%

3/1 OnPoint ARM

Rate as low as*APR as low as
3.000%3.076%

7/1 OnPoint ARM

Rate as low as*APR as low as
3.375%3.453%

10/1 OnPoint ARM

Rate as low as*APR as low as
3.625%3.705%

Here is an example of the savings on a mortgage balance of $300,000 using our 5/5 OnPoint ARM.

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*APR= Annual Percentage Rate. Mortgage Loan: $300,000 borrowed for 360 months (30 years) with an APR of 3.489% would have a monthly payment of $1,326. The payment example does not include amounts for taxes and insurance premium, if applicable, and that the actual payment obligation will be greater. The terms listed are the maximum term available for qualified borrowers. Interest rates are subject to change based on the type of loan, the collateral, loan to value, borrower’s credit history, account relationship, and automatic payments. Rate is variable and can increase no more than 2 percentage points every 5 years with a lifetime maximum adjustment of 5%. Variable rate is based on 10 Year Treasury rate. 10 Year Treasury rate changes are shown in the Wall Street Journal. Adjustable Rate Mortgage (ARM) rates are subject to change during the term of the loan. Other conditions may apply. Equal Housing Lender. Federally Insured by NCUA. SouthPoint Home Mortgage is a division of SouthPoint Financial Credit Union.