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FHA Mortgages:

If you have less-than-perfect credit or a small downpayment, this loan is for you.

Get the low down payment you need now. The security and safety you want always.

  • FHA Loans

    A mortgage insured by the Federal Housing Authority (FHA) can help make buying your own home possible with:

    • A manageable 3.5% down payment.
    • The ability to finance other debt such as insurance, utility bills or minor renovations with one low rate.
    • Use of gifts toward 100% of closing costs and down payment.
    • Lower closing costs for homes in Jefferson, Lewis and St. Lawrence counties.
    • Flexible income limits.
    • No prepayment penalties.


    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 (starting at) APR (starting at) Sample Payment
    30 Year FHA 4.375% 5.796% $576.86
    15 Year FHA 4.250% 6.057% $833.26

    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.

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