Introducing Our Meet
or Beat Guarantee!

Our mortgage rates are the best around, so we're offering to meet or beat any local competitor's rate.

You'll find our rates are unmatched. We guarantee it!

We’ve got the mortgage for you at the rates you deserve:

Fixed & Adjustable Rate Mortgages
VA (Veterans Affairs) Loans
FHA (Federal Housing Authority) Loans
First Time Homebuyer Program
Seasonal Home & Second Mortgages
New Construction Mortgages
Doublewide Property Mortgages
Investment Property Mortgages


Ready to get started? You can either:

1. Take some time to apply online now to get started AND get $100 at closing.

2. Fill out the form below and our friendly Home Lending Professionals will get ahold of you within one business day.


Chris Andiorio
Office: 315.779.3186
Cell: 315.558.7356
NMLS# 1192923


Justina Neddo
Office: 315.777.8903
Cell: 315.804.7925
NMLS# 1569517


Seth Pfendler
Office: 315.777.8912
Cell: 315.405.5656
NMLS# 1569516


Do you need a mortgage for a...

*Offer available for pre-existing dwellings only. To meet or beat a competitor’s rate we need proof of preapproval from a competing lender dated the same day and received within 3 business days of locking in the interest rate at NCU. The terms of the competing loan must be comparable to NCU’s loan. To receive the $100 at closing, member must have completed an application online at Once validated, $100 will be automatically deposited into members account at closing. Certain exclusions may apply. Offer subject to expire at any time.