Mortgage Information
First Mortgages
- Competitive rates, call our office 733-1596
- Closed end, fixed rate mortgages
- Low down payment
- Purchase or refinance loans
- Minimum 10 year to maximum 30 year mortgage
- Affordable closing costs
- Borrow from $20,000 to $200,000
- Loans for primary residence

Home Equity Loans/Variable Rate
- $55,000 maximum credit line
- $10,000 minimum credit line
- 15 year/180 months max. draw period
- Variable Rate indexed to Wall St. Journal Prime Rate
- First 6 months - rate will be Prime Rate (PR) minus 3%
- Thereafter - rate will be Prime Rate (PR)
- 5.75% floor 15.75% ceiling
- Closing costs are the NYS Mortgage Tax

HOME EQUITY LOANS/FIXED RATE
- $55,000 maximum credit line
- $10,000 minimum credit line
- 15 year/180 months max. term
- Rate determined by Term and Credit History
- Closing costs are the NYS Mortgage Tax
- Rate locked in with commitment letter

These loan rates are applicable to new money and are expressed as ANNUAL PERCENTAGE RATES (APR).

Call the credit union (315) 733-1596 for more details.

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