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If you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer.

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*!

    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

     

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

Mortgage Calculator