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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Advanced ATM services at our Lowville, Carthage and Croghan locations may be intermittently unavailable on Tuesday, March 17 from 12:00–6:00 a.m. due to routine maintenance.

Digital Banking, Sky and Advanced ATM features may be intermittently unavailable on Saturday, March 21st from 11PM to Sunday, March 22nd at 3AM due to routine maintenance. We apologize for any inconvenience.

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Mortgage Lender New York

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

VA Home Loan

No Closing Cost Mortgage

Seasonal Home Mortgage

New Home Construction Loan

USDA Mortgage

Adjustable-Rate Mortgage