Home Mortgage Loans

Best Mortgage Loans in Syracuse NY

SECNY is a proud lender to homeowners in Central New York. We are your local mortgage partner!

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 8/31/2019. Contact us with questions. 

Our mortgage department is comprised of a team of professional, knowledgeable individuals. Our primary focus is on the personalized mortgage service we provide our members. With our great rates, customized lending, quick processing time, and in house solutions, you will be sure to love us and the all the services we have to offer, now and in the future! Automatic payments, payroll direct deposit and biweekly payments are just a few of the mortgage services we offer to our members.

Variety of Mortgage Solutions

We offer a variety of home mortgages with competitive mortgage rates and terms up to 30 years. SECNY FCU offers conventional mortgages for home purchase and refinances in Onondaga, Oswego, Cayuga and Madison counties. Reach out to us today and see if we can help make your lending needs a reality!

Current Mortgage Rates Mortgage Calculator

Getting Started

Buying a home is exciting and, let’s face it, complicated. Housing counselors can provide advice on buying a home, renting, defaults, foreclosures, and credit issues. Or click on the Home Loan Tool Kit button for a step by step guide of the mortgage process. We are always happy to answer any additional questions you might have.

Find a Housing Counselor Your Home Loan Tool Kit

Not a member? 

All eligible borrowers will need to become  a member of the credit union and open their membership account prior to or at time of application. View membership eligibility. 

Become a SECNY Federal Credit Union Member

Mortgage Pre-Qualification and Application

Pre-Qualifications for a purchase can be obtained within 24 hours by calling the Mortgage Department or emailing your information to homes@secny.org

Get a Pre-Qualification

The online mortgage application is the next step if you are ready to apply for a mortgage. Please see the checklist below for the type of mortgage you are ready to apply for.

Purchase Mortgage Checklist Refinance Mortgage Checklist

Online Mortgage Application

Genworth's Homebuyer Privileges® Discounts

SECNY is a participating lender of Homebuyer Privileges, an exclusive program that leverages the buying power of new homeowners to negotiate unique discounts from top merchants. See the complete list of offers once you register at www.homebuyerprivileges.com.

For more information, view our:

Home Buying Info sheet

Already have a SECNY Mortgage Loan?

Simply log in to your online banking and click on your Mortgage to be directly taken to your online Mortgage Portal!

Access your online account