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USDA Home Mortgages

You have a lot of options when it comes to choosing a home and just as many options when choosing a mortgage.


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 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

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.