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USDA Mortgages:

Looking to buy a home in a rural area? Get your mortgage from your community credit union.

No down payment. No mortgage insurance requirement. No kidding! See if you’re eligible.

  • USDA

    In an effort to make homeownership even more accessible in our community, we are very excited to announce our newest home mortgages product, USDA Home Loans. If you’re looking to buy a home outside the city or town of Watertown, a USDA mortgage can help you get into that home with no money down pending your income. This loan is a great option for first or second time homebuyers with less than perfect credit looking to minimize their cash out of pocket.

    Is the USDA Home Loan right for you?

    • 0% down with a fixed rate up to 30 years.
    • Single-family home purchases only.
    • Credit score of 640 or higher with combined income less than $78,200.
    • Property must be in a rural area approved by the USDA.

    Visit the USDA website to learn more about requirements, eligibility and additional details.

    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.

    Excluding the city of Watertown and select areas in the Town of Watertown.

Mortgage Calculator