If you’ve been waiting for mortgage rates to go down, this may be your moment. While 30-year fixed home loans average 6.00% APR** nationally, we’re offering them at 4.99%* for a limited time!
- Submit your application by May 31st to see if you qualify
- We’ll also waive the $495 processing fee!
- Easy 10-minute online application
Work with local, experienced lenders who are dedicated to making home ownership more accessible and affordable, so you can stop waiting and start living in the home of your dreams.
We’re ready to help find your best mortgage option at the lowest rate – guaranteed.
- Complete a mortgage application online.
- Chat with us via the green bubble on the bottom right of our website.
- Submit a Contact Us form.
- Call or text** 315.777.8910.
At Northern, your why is our why and your goals are our goals. What’s important to you is important to us.
Federally insured by NCUA. *APR= Annual Percentage Rate. Equal Housing Opportunity. For a complete list of mortgage options available and details visit mynorthern.com/mortgages. 4.99% APR and $495 processing fee waiver is offered 4/1/26-5/31/26 on fixed 30-year conventional mortgages only. $5 membership fee required. Offer applies to new home purchases only. All rates subject to change without notice and are our best rates based on approved credit; actual rates may be higher depending upon applicant’s credit rating and other underwriting factors. Rates are based on an evaluation of your credit history and other factors, so your rate may differ. All loans subject to approval. Speak to a loan officer for more information. Please find our Home Mortgage Disclosure Act Notice (HMDA) on mynorthern.com/ **U.S. weekly mortgage rate averages as of 03/19/2026 published by Freddie Mac.