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USDA Loans NY

Looking to buy a home in a rural area? Get your mortgage from your community credit union.
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  • USDA Mortgage NY
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    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 USDA 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 620 or higher with combined income less than $103,500.
    • Property must be in a rural area approved by the USDA.

    Visit the USDA website to learn more about requirements, eligibility and additional details for USDA loans in NY.

    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.
    • Become a member to take advantage of these great benefits, getting started is easy, join now!
    • Apply online anytime.
    • Call 315-777-8910
    • Text HOME to 315-782-0155

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

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