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New Home Mortgages in NY

What’s better than building a new home? Financing it for less.

With Northern as your lender, you can spend time making sure you end up with the home of your dreams. We’ll make sure your construction loan saves you money.

  • New Construction Loans

    Rates are custom built for you. Contact us for details.

    If you’re interested in buying a newly built home in a development or building a custom home from the ground up, talk to Northern. We’ll help you finance it for less.

    • Up to 80% financing available.
    • Finance land and build costs all in one loan.
    • Streamlined approval process.
    • Flexible build terms to fit your payment and construction schedule.

    To apply for a new home construction loan, all you’ll need is a signed construction or purchase contract with your builder or developer that outlines:

    • Contract amount, including construction and land cost (if applicable).
    • Construction start and completion dates.

    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

All Northern locations will be closed Monday, January 17, in observance of Martin Luther King Jr. Day. We're never really closed with our 24/7 banking on the go options.