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Benefits of a NEFCU Mortgage

State of New York Mortgage Assistance Loans (SONYMA) for first-time homebuyers
Choose from a variety of options, including Fixed, Adjustable, & Jumbo Rate loans
Select a low down payment option and put as little as 3% down on your loan
Pay no junk fees on any option and save more with a No Closing Cost2 7/1 ARM
Get Conditional Approval on a mortgage before you find the perfect home
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Already found the perfect home?

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If you've already found your dream home, the next step is to apply for a Mortgage and pick an option that fits your needs.

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