Mortgage Rates

Rates subject to change without notice. Credit restrictions apply. Rates effective as of 8/8/19.

For a limited time, get a $500 credit* at closing!

A Mortgage should be exciting, stress-free and fun!

*Must be new purchase or refinance from another financial institution. Existing SECNY loans may not be refinanced with this offer. Offer expires 10/31/2019.

Plus check out our LIMITED TIME SPECIAL!

Home Mortgages - 1st Lien

Rate as Low As Available Terms
3.000% 7 Years
3.000% 10 Years
3.250% 15 Years
3.500% 20 Years
3.750% 30 Years

Loan Application Mortgage Calculator

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $484,350
Up to 95% of appraised value
Points options available, Has Closing Costs, $500 Application Fee.

Bi-Weekly Home Mortgages

Rate as Low As Available Terms
3.000% 7 Years
3.000% 10 Years
3.250% 15 Years
3.500% 20 Years
3.750% 30 Years

Loan Application Mortgage Calculator

1st Lien Purchase, Refinance, Owner-Occupied, Primary Residence
Min. $30,000, Max. $484,350
Up to 95% of appraised value
Points options available, Has Closing Costs, $500 Application Fee 

Home Equity Fixed 

Rate as Low as Available Terms
3.75% 1-5 Years
4.00% 7 Years
4.25% 10 Years
4.75% 15 Years

Loan Application Debt Consolidation Calculator

Primary Residence Only - 1st or 2nd Lien Only
Loans from $10,000 to $150,000*
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs**-$300.00 due at application and refunded at closing
*See Kristy or Ellen for loan requests above $150,000
**All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.

Home Equity Line of Credit

Rate as Low As Available Terms
2.99%* 180 Mos.

Loan Application Debt Consolidation Calculator

*Introductory Rate, 10 Year Draw Period with 15 Year Repayment Term
Primary Residence Only, 1st or 2nd Lien Only, Loans from $10,000 to $150,000**
Maximum loan amount not to exceed 90% of appraised value
No Closing Costs***-$300.00 Application Fee (refunded at closing).

*Regular Rate is variable based on Prime Rate (as published in the Wall Street Journal).
Current Prime Rate is 5.25%. Rate subject to change annually on the anniversary date of the loan.
**See Kristy or Ellen for loan requests above $150,000
***All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.

Home Equity for Vacation Property

Rate as Low As Available Terms
6.75% 1-5 Years
7.25% 7 Years
7.75% 10 Years
8.25% 15 Years

Loan Application Debt Consolidation Calculator

Owner Occupied - 1st or 2nd Lien Only. Loans from $10,000-$150,000
Maximum loan amount not to exceed 75% of appraised value
No Closing Costs-All fees paid in conjunction with the loan are subject to recapture if the loan is closed within three years.
$300.00 Application Fee (refunded at closing).

Mortgages for Vacation Property

Rate as Low As Available Terms
4.250% Up to 20 Years

Loan Application Mortgage Calculator

1st Lien Owner-Occupied. No Investment Property. $500 Application Fee

Minimum $30,000. Point options available. Has Closing Costs. 90% of appraisal 

Home Improvement Loan

Rate as Low As Available Terms
6.50% 1-12 months
6.50% 24 months
6.50% 36 months
6.75% 48 months
6.75% 60 months
7.00% 72 months
7.00% 84 months

Loan Application Payment Calculator

Maximum $25,000. Copy of deed required. Work Estimate. UCC1 Filed.