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

New Construction Mortgages:

What’s better than building a new home? Financing it for less.

With Northern as your lender, you can spend time making sure you end up with the home of your dreams. We’ll make sure your construction loan saves you money.

  • New Construction Loans

    Rates are custom built for you. Contact us for details.

    If you’re interested in buying a newly built home in a development or building a custom home from the ground up, talk to Northern. We’ll help you finance it for less.

    • Up to 90% financing available.
    • Finance land and build costs all in one loan.
    • Streamlined approval process.
    • Flexible build terms to fit your payment and construction schedule.


    To apply for a new home construction loan, all you’ll need is a signed construction or purchase contract with your builder or developer that outlines:

    • Contract amount, including construction and land cost (if applicable).
    • Construction start and completion dates.


    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.

As of Wednesday, April 1, 2020, all drive-thru and lobby hours will change in consideration of the health and well-being of our member-owners and internal owner team members. 

Drive-thru and call center hours during the week are 7:30am-6pm except for Carthage and Lowville which are 9:00am - 6:00pm. On Saturdays drive-thru and call center hours are 9:00am - 1:00pm.

For relationship centers still taking appointments, you can book an appointment on our  website, mobile or online banking message, through Video Banking and over the phone at 315.782.0155.