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Conventional Mortgages:

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
  • $100 off at closing when you apply online*

Find the conventional mortgage to fit your life, your goals—and your budget.

  • Fixed Rate

    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.

     

    Apply online and get $100 at closing*! Not sure which mortgage is right for you—or prefer to speak to a lender? Call one of our experienced home lending professionals at 315-777-8910.

    Term Interest (As Low As) APR (As Low As) Sample Monthly Payment
    30 Year Fixed 4.500% 5.917% $513.53
    15 Year Fixed 4.000% 5.819% $749.67

    Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

    *$100 will be deposited into a Northern Credit Union deposit account at the time of mortgage loan funding.

  • Adjustable Rate Mortgage

    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.

     

    Apply online and get $100 at closing*! Not sure which mortgage is right for you—or prefer to speak to a lender? Call one of our experienced home lending professionals at 315-777-8910.

    Term Interest (As Low As) APR (As Low As) Sample Payment
    5/1 ARM 3.625% 4.340% $456.05
    7/1 ARM 4.000% 4.417% $477.42

    Sample payments and APR percentage are based on $100,000 loan amount.  The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

    *$100 will be deposited into a Northern Credit Union deposit account at the time of mortgage loan funding.

*$100 will be deposited into a Northern Credit Union deposit account at the time of mortgage loan funding.
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