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Mortgage Loans

First Mortgage

Open the door to a place to call home. When you're ready to purchase a brand new home or refinance an existing home, our mortgage loan originators are available to answer your questions and guide you every step of the way.

  • No application fee and little to no fees!

  • Financing up to 90% on home purchases and 80% on loan refinances

  • 10, 15, 20, and 30 year terms available at great low rates!

  • Co-op financing available

  • Property must be located in Nassau, Suffolk, Queens, Manhattan, Bronx, Brooklyn, Staten Island, or Westchester County and be your primary residence

  • First Mortgage Loan Request Form

Home Buying Guide

Home Equity Line of Credit

Two great choices to meet your needs!

Our Interest Only option minimizes payments during the 10 year draw period by only charging interest on the outstanding principal. The conventional Home Equity Line of Credit option accelerates principal loan repayment.

Both home equity line of credit options offer a low rate and provide you with quick access to cash whenever you need it! Use it to finance a major purchase or for peace of mind with unexpected expenses, including debt consolidation, educational costs, medical expenses, home renovations, and more.

Interest Only Home Equity Line of Credit

  • Variable rate interest only payments for first ten years of draw period^

  • Borrow up to 75% of the appraised value of your home less any first mortgage balance

  • No annual fees!

  • Minimum loan amount is $25,000. Line of credit loans have a 10-year draw period and a 15-year repayment period

  • Home Equity Line of Credit Loan Request Form

^Interest Only Home Equity Line of Credit - first ten years of the loan requires only a monthly interest payment on the outstanding balance. During the interest only payment period, member may make principal payments. After ten year draw period, principal and interest payments are required for the 15 year repayment period. Interest Rate is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal and may change monthly. Introductory rate is for first time borrowers only.

Conventional Home Equity Line of Credit

  • Low introductory rate for two years then adjusts to the prime rate*

  • Borrow up to 75% of the appraised value of your home less any first mortgage balance

  • No annual fees!

  • Minimum loan amount is $25,000. Line of credit loans have a 10-year draw period and a 15-year repayment period

  • Home Equity Line of Credit Loan Request Form

*Interest Rate is the Prime Rate as published in the “Money Rates” section of the Wall Street Journal and may change monthly. Introductory rate is for first time borrowers only.

Second Mortgage

Let your home work for you. Utilize your home asset as a tool to help you with your projects and goals with a second mortgage.

  • Fixed interest rate loan

  • You may borrow up to 75% of the appraised value of your home less any first mortgage balance

  • Minimum loan amount of $25,000 and the maximum term is 15 years

  • Second Mortgage Loan Request Form