Online Banking
Home > Personal > Loans > Mortgages

Mortgages

Empower Federal Credit Union is the mortgage lender offering a variety of products to help you purchase a home or refinance your existing mortgage with our competitive rates. Our friendly, professional mortgage experts take time to understand your needs to help you find the right fit, and our simple application process gets you moving quickly.

Mortgage Options for Purchasing

  • Fixed or adjustable rates
  • Low down payment
  • Gifts, grants and other approved funding sources may be used for closing costs
  • 1-4 family homes both owner occupied and investment home
  • Manufactured homes including double wide and modular homes
 

Construction Loans

Your dream home, our help! Get started here
 

First Time Homebuyers

Empower Your Future. Learn more here
 

Jumbo Mortgage Loans

Dream Even Bigger! Learn more here
 

Mortgage Options for Refinancing

  • Fixed or adjustable rates
  • Cash out refinancing


Veteran Advantage Mortgages

Empower is excited to be able to offer our country's heroes a more affordable home-buying experience.  Get started here


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, NC, SC and TN.

Empower Federal Credit Union rated 5-Stars by Bauer in 2023  Best Companies to work for New York 2023 Logo2023 Winner of Best Companies to Work for in New York State