Home Loan Information

Home Equity Loans/Fixed Rate
5.99%APR

First Time Home Buyer Program                     

- $20,000 minimum loan
- $300,000 maximum loan
- 10 year maximum term
- 600 or above credit score required
- Closing costs are the NYS Mortgage Tax

- No down payment or mortgage insurance required
- Must be the first home for one and/or both members
- Must be a member for at least 1 year
- Maximum amount $150,000
- Must have direct deposit and automatic payment

*Other restrictions apply.  Call for details.

Home Equity Loans/Variable Rate
Line of Credit 2.99%APR 1st 12MO
PRIME RATE THEREAFTER

First Mortgages

- Competitive rates, call our office at
   315-733-1596
- Closed end, fixed rate mortgages
- Purchase or refinance loans
- Minimum 10 year to maximum
  30 year mortgage
- Affordable closing costs
- Borrow from $20,000 to $750,000
- Loans for owner occupied primary and secondary residences