We offer you a wealth of loan programs tailored to your individual needs.

To find out more, you can apply now or request a consultation.

Conventional Loans

Our conventional loan options include both fixed-rate and adjustable-rate mortgages.
 

Fixed-Rate
 

• Interest rate stays the same over the life of the mortgage
   
• Makes budgeting easier and more predictable
   
• Terms are available from 10 to 30 years
   

Adjustable Rate
 

• Initial rate is often lower than a traditional fixed-rate mortgage
   
• After the initial period, the interest rate fluctuates over the life of the mortgage, depending on prevailing rates

Eligible Property Types

• Single Family
   
• Multi - Unit (up to 4 units)
   
• Condominiums

Government Loans

NY TEAM FCU partners with OwnersChoice Funding, Inc. to offer FHA, USDA and VA mortgage loans. Contact us for more information.

 

FHA

• Flexible down payment options

• Excellent option for first time homebuyers

VA

• For Veterans and their spouses 

• Flexible underwriting 

USDA

• Exclusive to low to moderate income homebuyers

• Flexible financing for properties located in a designated rural area