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Conventional Mortgages in NY

Looking for the right mortgage at the lowest rate? You found it.

The only thing better than our mortgage rates is our friendly, responsive and professional service.

  • Meet or beat mortgage rate guarantee
  • Choice of flexible terms
  • Low closing costs
  • Purchase or refinance
  • Team of experienced, friendly lenders
  • Options for first time homebuyers
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Find the conventional mortgage to fit your life, your goals—and your budget.

  • Fixed Rate
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    For a conventional mortgage with built-in peace of mind, opt for a fixed rate mortgage. What’s fixed? Just about everything. Your interest rate and monthly mortgage payment will never change throughout the entire life of the loan—for as long as 30 years. This may be a good choice if you:

    • Want the security of knowing what the amount of your mortgage payment will always be.
    • Plan to stay in this home for at least ten years.
    • Don’t expect your income to increase significantly in the coming years.

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call 315-777-8910
    • Text HOME to 315-782-0155
  • Adjustable Rate Mortgage
    Join Get Started

    This mortgage’s name almost says it all: It starts with a lower initial interest rate that’s fixed for a set period of time. After that, the rate adjusts based on market conditions—but there is a cap to prevent it from increasing too much all at once. An adjustable rate mortgage may be a good choice if you:

    • Want to maximize your buying power.
    • Want to keep your payments lower during the first few years of your loan.
    • Plan to move into a different home—or pay off your mortgage—within the next ten years.
    • Expect your income to increase significantly in the coming years.

    To get started simply:

    • Connect with one of our experienced lending professionals via Video Banking
      Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
    • Apply online anytime
    • Call 315-777-8910
    • Text HOME to 315-782-0155
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