• Low down payment required
  • Gifts, grants and other approved funding sources may be used for closing costs
Members must meet qualification requirements and be a first-time home buyer.
Available for double wide and modular homes only (certain restrictions apply).

Finance construction of a new home.

The following guidelines apply:

  • Primary residence and vacation/second homes only (1-unit homes only)
  • Stick built or modular homes
  • Finance up to 80% of Loan to Value
  • Up to 5 draws for project
  • 12 month maximum construction period
  • Interest only payments during the construction phase
Membership eligibility required. Loan approval based on creditworthiness. Available in all counties except Bronx, Kings, Nassau, New York, Queens, Richmond and Suffolk. Members must meet qualification requirements and builder must be approved by Empower FCU. No escrow of property taxes and insurance required, unless the structure is in a flood zone. Other restrictions may apply. NMLS #412348
  • Choose between owner-occupied and investor-owned with fixed and floating rates
  • Maximum loan-to-value 80%
Framework: Take the online homebuyer course designed by experts in learning.

Framework is a mobile and web-based application designed to enhance the home buying experience for both homebuyers and lenders. Keep’s self-paced courses, tools, resources and expert advice help members navigate the process of finding, buying, owning and maintaining a home with confidence.

Keep on top of everything
In addition to the Homebuyer Education experience that guides users through the process of looking for and buying a home, Keep Home supports ownership as well. Keep’s “My Home” feature lets users keep all the facts of their home in one helpful place such as important warranties. As expiration dates approach, Keep Home will send a reminder to look into service or replacement.

Access helpful tools and resources
From equity to escrow, users learn to speak the language of homeownership with confidence. Downloadable checklists, worksheets, and a glossary of need-to-know terms, are always at hand.

Get expert guidance anytime
With decades of experience in the homebuying and homeowning industry, our team has seen it all and is standing by to answer your questions using the Home Expert feature. Dive into the app for more information on how we can help guide you to a solution.

Register Today

All loans subject to approval. Rates, terms, and conditions subject to change. 
NMLS #412348


Mortgage Tools

What do you want out of life?

Empower Federal Credit Union welcomes employees of many companies, immediate family/household members of employees and retirees, as well as our outreach to underserved communities to enjoy personal and business banking solutions including auto loans, mortgages*, credit cards and more. Bank online, in any central NY branch, or call us at 315.477.2200.

* Home mortgages available in FL, PA, CT, NY and NC.