• Available in 5-, 10- and 15-year terms, with up to a 20-year amortization
  • Attractive fixed or variable rates
  • Up to 80% financed on a purchase
  • Up to 75% financed on a refinance
  • Up to 90% financed with SBA 504 Program
  • Easy application process with local decision-making
  • Professional, personalized service
  • Reasonable closing costs
  • No pre-payment penalty
  • Finance or refinance your 1- to 4-family, non-owner-occupied residence
  • Fannie Mae-eligible rates are our current 15-year residential rates plus 1 percent. Rates on loans not eligible for sale to Fannie Mae may be higher.
  • Low 2% fee (minimum $500)
  • Low closing costs
  • Up to a 15-year term and 20-year amortization (20-year amortization not Fannie Mae eligible; only up to 15-year amortization)
  • Professional, personalized service
  • No prepayment penalty
  • Up to 80% financed on a purchase
  • Up to 75% financed on a refinance
To speak with our Commercial Mortgage professionals, call 315.477.2200 or 800.462.5000, option 4


To Apply: After completion of the PDF application, please submit a hard copy to our Business Lending Department:

Empower Federal Credit Union
Business Lending
1 Member Way
Syracuse, NY 13212

Please note: In order to process the application, all required information must be provided and be complete.