Perfect Home, Perfect Loan.

Buying a home is a big decision. But so is choosing the right mortgage. Let’s help you pick one that’s best for your needs and easy to live with. 

Mortgage-Purchase Loans 

Best when: You want versatility and choice 

• Low down payment options and competitive rates 
• Fixed-rate and adjustable-rate loan options 
• Loan terms as long as 30 years 

First-time Homebuyer Loans 

Best when: You’re ready to start this next chapter  

•  Low to no down payment options for qualified members 
• Grant funds may be available for closing costs 
• Personalized guidance throughout the process 

 Construction Loans 

Best when: You’re eager to build your vision 

• For custom home construction 
• Simple application process 
• Builder must be approved by Empower FCU 
• Available in most NY counties 

Mortgage-Refinance Loans 

Best when: You're looking for a loan upgrade 

•  Potentially lower your interest rate 
• May shorten your loan terms to help you pay off debt faster 
• Use your home equity to borrow extra money for any purpose ("cash-out" refinancing)