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Seasonal Home Mortgages:

Because life is meant to be enjoyed.

Northern specializes in mortgages for seasonal properties and second homes.

  • Seasonal Home

    Whether you’re looking for a cottage on the river or lake, a hunting camp in the Adirondacks or a winter wonderland lodge on Tug Hill, look to Northern for a mortgage that fits your dreams—and your budget. We offer:

    • Financing of up to 90% of the home’s value (most competitors only finance 80%).
    • No Private Mortgage Insurance (PMI) requirement.
    • Flexible terms of up to 30 years.
    • Fast approval so you can enjoy your second home sooner.


    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.

    Term Rate APR Sample Monthly Payment
    30 Year Fixed 4.000% 4.148% $477.42
    15 Year Fixed 3.500% 3.758% $714.88

    Sample payments and APR percentage are based on $100,000 loan amount. The Interest Rate is the advertised rate and can vary based on creditworthiness, home type, mortgage type and terms of the loan. See Credit Union for details.

    *$100 will be deposited into a Northern Credit Union deposit account at the time of mortgage loan funding.

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