Mortgages for First-Time Home Buyers

Ready to purchase your first home? Buying a home is likely to be one of the most expensive purchases you’ll ever make, but you’re making a major investment in your future. Empower has competitive rate mortgages with low and no down payment options for those who qualify. Contact an Empower Mortgage Consultant to find the right mortgage product for you. We offer a wide variety of products to meet all ofyour home ownership needs.

As a first-time home buyer, you’ll benefit from:
  • Loans with low to no down payment options for members who qualify
  • Fixed & Adjustable Mortgage Rates
  • Flexible Terms
  • No Origination Fee
  • Local decision-making, processing, underwriting, and servicing.

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