Mortgage Lender New York

Build. Buy. Refi. We've got you covered!

At Northern, we pride ourselves on being your go-to mortgage lender in NY. We don’t just say we’ll give you the best rate around—for purchase or refinance—we guarantee it.*

Fixed and Adjustable Rate Mortgages

With our collection of fixed and adjustable rate mortgages at varying terms—you’re sure to find the loan that fits your life and your budget.

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VA Home Loan

With a Veteran's Affairs loan from Northern, veterans and military families can get a great home in North County—with the respect your service deserves.

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No Closing Cost Mortgage

Say yes to home ownership—and to saving thousands of dollars in fees today and for years to come—with a No Closing Cost Mortgage.

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Seasonal Home Mortgage

Whether it’s a camp, cottage or condo, there’s nothing better than a seasonal or second home. Our seasonal home program requires only a 10% down payment.

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New Home Construction Loan

With Northern financing your build, you can make sure you end up with the home of your dreams. We’ll make sure your mortgage saves you money.

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USDA Mortgage

Are you looking for a home outside of the Town or City of Watertown but don’t have much for a down payment? A USDA mortgage can get you moved in with no money down and a lower interest rate!

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Adjustable-Rate Mortgage

Are you pausing on the purchase of your dream home, waiting for rates to come down, or are you looking for a mortgage with more flexibility? Start with a lower interest rate that’s fixed for a set period of time.

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All Northern locations will be closed on Wednesday, November 11 in observance of the holiday, and will reopen for regular business hours on Thursday, November 12.