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SECNY FCU offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:

First Mortgage
Bi-Weekly Mortgages
5/1 ARM (Adjustable Rate Mortgage)
Jumbo Mortgages
Mortgages For Vacation Property

First Mortgage SECNY FCU offers a wide variety of home mortgages with competitive rates and terms. Now, in partnership with CUC Mortgage, we can offer a wider variety of first mortgage products with minimal down payments. SECNY FCU offers mortgages for purchase and refinances in Onondaga, Oswego, Cayuga and Madison counties. Term: 30 years Maximum Amount: $417,000

Terms: 10, 15, 20 and 30 year mortgages 1st Lien, Owner-Occupied, Primary Residence Loans from $30,000 to $417,000 Up to 95% of appraised value No Points, Has Closing Costs, $395 Application Fee TO APPLY FOR A FIRST MORTGAGE, CLICK THE "APPLY ONLINE" ICON ON THE LEFT SIDE OF THE SCREEN.

Bi-Weekly Mortgages 1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence Terms: 10, 15, 20 and 30 Yrs. Min $30,000 Max $417,000 Up to 95% of appraised value No Points, Has Closing Costs, $395 Application Fee TO APPLY FOR A BI-WEEKLY MORTGAGE, CLICK THE "APPLY ONLINE" ICON ON THE LEFT SIDE OF YOUR SCREEN! Maximum Amount: $417,000

5/1 ARM (Adjustable Rate Mortgage) Term: 30 year amortization Fixed Rate for first 5 years, thereafter adjusts annually Index: 5-Year Treasury Constant Maturity Margin will be rounded to nearest 1/8th 1st Lien, Owner-Occupied, Primary Residence Loans from $30,000 to $417,000 Up to 95% Appraised Value No points, has closing costs, $395 application fee TO APPLY FOR A 5/1 ARM, CLICK THE "APPLY ONLINE" ICON ON THE LEFT SIDE OF THE SCREEN. Term: 30 years Maximum Amount: $417,000

Jumbo Mortgages (Fixed and 5/1 ARM) Term: 10, 15, 20 and 30 Yrs. 1st Lien, Owner-Occupied, Primary Residence Loans from $417,000 to $700,000 Up to 95% of appraised value No points, Has Closing Costs, $495 Application Fee Maximum Amount: $700,000

Contact Mortgage Services at (315) 638-7061 for further information.

Mortgages For Vacation Property Term: up to 15 years 1st Lien, Owner-Occupied, No Investment Properties Mortgages from $30,000 to $417,000 Up to 75% of Appraisal, No points, Has Closing Costs, $395 Application Fee

Contact Mortgage Services at (315) 638-7061 for further information.

The estimated closing costs of $1,381.00 include the following: application fee, appraisal, credit report, flood certification, settlement services by credit union attorney and county recording fees. There may be other fees associated with this loan that are not included in the estimated closing costs stated above such as, but not limited to the following: interim interest, NYS mortgage tax and lenders title insurance. Fees outside of Onondaga County may be higher.
Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $1,381. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $700,000 with closing costs of $1,481. Your actual APR may be different depending upon these factors.