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FHA Loans

A mortgage backed with security and safety and a low down payment.

This type of loan is great for those purchasing lower priced homes and those with less than average credit. Mortgages insured by the Federal Housing Authority can help buy your own home in a number of ways including:
  • A manageable 3.5% down payment requirement
  • Ability to consolidate other debt such as insurance, utility bills, or small scale renovations into one low rate
  • Use gift funds towards 100% of closing costs and down payment
  • Lower closing costs for homes in Jefferson, Lewis and St. Lawrence counties
  • Flexible income limits for financing
  • No prepayment penalties

  • Get started by calling the Home Lending Team at 315.777.8900 or by filling out our
    Contact Us Form.



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