Are you looking for the security of a fixed interest rate and monthly payment?

Make your budgeting easier with a traditional fixed-rate mortgage. Because your rate is locked in for the entire term of your loan, you can have peace of mind knowing your principal & interest portion of your payment will never increase.  Whether it’s to purchase a home or refinance an existing loan, your best home lending options are here.

• Fixed terms of 5 to 30 years.
• Down payment requirements of 5% or more.
• Refinancing available, including cash out, so you can access your home’s equity for remodeling projects, debt consolidation and life’s other expenses.
• First-time homebuyer programs offering additional flexibility and grant options for down-payment and closing costs assistance are available.
• Available for owner-occupied homes including condominiums and townhomes located in New York.
• Financing also available for vacation homes and investment properties.

Some Fixed Rate Mortgages require Mortgage Insurance Premiums.  Here at Family First FCU, we offer several options including a “Piggyback Loan”.  Let us explain and find the best options that can explain benefits and draw backs from a loan with PMI.

• Setting up your payment to automatically be taken from your Savings or Checking account here at Family First FCU
• Pay your own Real Estate Taxes or Home Owners Insurance?  No problem, or skip the chore and let us take care of that too!
• It’s an easy and an inexpensive way to be free from your mortgage in 5 Years.