We Go the Extra Mile. Then We Go More.

At SouthPoint Home Mortgage, we know that borrowers have a lot of options when it comes to choosing a home loan provider. At SouthPoint, we take that to heart, and that’s why we do more than what borrowers expect. And we don’t just do more, we do it right. That way, we’re not just building trust around one home loan, we’re build a legacy relationship.

Your home buyers can expect that SouthPoint Home Mortgage will go that extra mile for them. Then go more. It’s what it means to Point the Way Home.

Who is SouthPoint Home Mortgage?

We may look familiar to you. Maybe it’s our logo’s star and swoosh. Maybe it’s the name itself. You see, SouthPoint Home Mortgage is a wholly owned brand of SouthPoint Financial Credit Union, based in Sleepy Eye, Minnesota. We are local. We are trusted. And with those roots, you and your home buyers can rest assured that we are here to stay.

SouthPoint Home Mortgage wants our communities to know that everyone is welcome to do business with us. If you live anywhere in the 23 counties of Southern Minnesota where we do business, you are always welcome to become borrowers at SouthPoint Home Mortgage.

Our region covers these 23 counties:

Blue Earth  |  Brown  |  Carver  |  Cottonwood  |  Faribault  |  Freeborn  |  Kandiyohi  |  Le Sueur  |  Lyon  |  Martin  |  McLeod  |  Meeker  |  Murray  |  Nicollet  |  Redwood  |  Renville  |  Rice  |  Scott  |  Sibley  |  Steele  |  Watonwan  |  Wright

We can also serve people outside our 23 counties through the SouthPoint Financial Credit Union Foundation. Learn more today.

Why choose SouthPoint Home Mortgage?

We know how it works. You’ve developed trust with your home buyer, and you don’t want that trust to be jeopardized by a bad home loan experience. That’s why we think it’s important that you know where we’re coming from.


If It’s Important to the Borrower, It’s Important to Us

No one expects us to read minds—except borrowers. When we put ourselves in their shoes, their heads, we get to the core of our focus. We see the world through their eyes as we should. These are real people with real worries about a process that can be anxiety provoking and confusing. People who will appreciate how our “Say Yes First” philosophy lets them know we will find a way to make it work. By creating this peace of mind, they know that what’s important to them is important to us.


We Make an Obsession of Making it Easy.

Technology, passion, off-the-chart mortgage IQs. We have them in spades. And when it all comes together to make the mortgage process easier, it’s a beautiful thing, right? It does not happen by accident. We have to be the agents of change here, working tirelessly and obsessively to make the mortgage experience easier. Just like water takes the path of least resistance to get where it wants to go, we also choose the path of least resistance for our borrowers by making it easy. It’s our obsession.


Simplicity Gurus … at Your Service.

Red tape? Nope. Double talk? Double no. We pride ourselves on straight talk, on mountain-spring-clear communications so customers understand the hows, whats and whys of the home-buying process. Whether they are fi rst-time buyers or more seasoned, we make the experience feel as comfy as the house they’re getting.


Listening is So Much More Than Listening.

Listening. It’s a great start. But like a pebble in a pond, good listening ripples. It generates action and urgent response in the form of mortgage solutions that say, “I heard you.” Everyone listens. Everyone provides service. We take it to the next level. We are attentive experts with our borrowers. Listening is not passive. It is a catalyst. The spark that becomes the solution to what the borrower needs.


Service is a Muscle. Exercise it Daily.

There is no “I” in team. A mortgage doesn’t get closed by one person alone. Whether we’re serving our borrowers or our co-workers, we require the need for service excellence every day. Working together, we remember that everyone’s job during and after the mortgage process is important and needed.

It’s What SouthPoint Home Mortgage is All About. Home Loan Options.

At SouthPoint Home Mortgage, we believe that our borrowers deserve and want options when it comes to their home loan. But we don’t leave our borrowers out in the cold. Our mortgage experts are here every step of the way to help them pick the option that makes the most sense.

3/1, 5/5, and 7/1, ARM

  • Lower payments and initial rates
  • Allows for more affordability with higher priced homes
  • Various term options

First-Time Home Buyer

  • Low down payment
  • No Private Mortgage Insurance (PMI) required for loans with 10% down
  • Maximum closing costs of $1,000

15 and 30 -Year Fixed Rate

  • Fixed rate and payment for life of the loan
  • No closing costs options

FHA Loan

  • Low down payment options
  • Allows for lower credit scores over conventional mortgages


  • Obtain financing for loan amounts over $484,350
  • Rate fixed for five years and adjusts every five years after that


  • Low down payment options
  • No minimum cash contribution required
  • Affordable payments

Rural Development

  • Fixed-rate
  • 30-year term
  • No down payment options

VA Mortgage

  • Backed by the Department of Veterans Affairs
  • Low to no down payment options

Rapid Refi

  • Low or no closing cost options
  • 10 or 15-year terms with low fixed rates
  • Loan to value up to 80% for primary residence