Platinum pre-approval is a mortgage program that allows us to completely underwrite the credit portion of your loan application so all you have to do is make an offer. The underwriting includes: 

  • Credit reports from all three major bureaus. 
  • All required income documents.
  • All required asset documents. 
  • Debt to income ratios using estimated tax and insurance payments. 
  • ​Loan to value ratios based on requested purchase price. 

Now sellers can feel confident in selling to you, even when cash is on the table.  

Ready to get started or upgrade your current pre-approval?  
​Use the button above to get in touch with our Mortgage Origination Department. 

NMLS: 412348

Membership eligibility required. Loan approval based on creditworthiness. All loans subject to approval. Rates, terms, and conditions subject to change.




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