In an effort to make homeownership even more accessible in our community, we are very excited to announce our newest home mortgages product, USDA Home Loans. If you’re looking to buy a home outside the city or town of Watertown, a USDA mortgage can help you get into that home with no money down pending your income. This loan is a great option for first or second time homebuyers with less than perfect credit looking to minimize their cash out of pocket.
Is the USDA Home Loan right for you?
- 0% down with a fixed rate up to 30 years.
- Single-family home purchases only.
- Credit score of 620 or higher with combined income less than $91,900.
- Property must be in a rural area approved by the USDA.
Visit the USDA website to learn more about requirements, eligibility and additional details.
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
†Excluding the city of Watertown and select areas in the Town of Watertown.