Home Mortgage Loans

Couple Holding Moving Boxes, Best Syracuse Mortgage

SECNY offers great mortgage rates, a simplified mortgage process and affordable mortgage payments. We are your local mortgage partner near Syracuse, NY and surrounding regions!

We Make It Easy to Figure Out How to Get a Mortgage near Syracuse and Central New York

  • Great rates!
  • Local service here in CNY!
  • Variety of financing options!
  • Fast, simple process!
  • 24/7 online and mobile tools to help you get the most out of your mortgage!
  • No Closing Cost option now available!

Take Advantage of our Special Offers

To celebrate the upcoming Grand Opening of our new Fairmount Branch, we are celebrating across ALL of our SECNY branches with the following:

Mortgage Rates as low as 6.50% APR1

View Mortgage Rates Contact Us

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. 

Open an Account Online

At SECNY Federal Credit Union, we get it. No one is born knowing how to get a mortgage. For most people, mortgage jargon like APR, closing and other terms that are thrown around can be confusing.

We're here to help make sense of it all.

With SECNY Federal Credit Union, we'll guide you through the mortgage process -- so you can really understand what options you have, and make a decision that you're confident in. Whether you're looking for a mortgage loan or mortgage refinance, we have you covered an will help you every step of the way!

Two key components to qualifying for a mortgage, whether you're buying your first house or you're a seasoned pro, is credit and budget are two of the most important pieces to the home buying puzzle. These two things will determine the rate of your loan, how much you can borrow and whether or not you can be approved for your mortgage.

Check out our budgeting tools or explore Credit Sense to easily check your credit score without affecting your credit.

Education Center Credit Sense

Find Out If You Pre-Qualify for a Mortgage

Family forming Home, Mortgages in CNY

Pre-qualifying for a mortgage is an important step in finding the right home and mortgage loan for you. If you pre-qualify for a mortgage, you will use your pre-qualification letter to show the seller of a house that you're a serious buyer, and that you're likely to be able to get a mortgage loan that will cover the cost of the home purchase. 

A first step toward pre-qualifying for a mortgage is as simple as filling out our form designed to give us the basic information we need to get you started! Pre-qualifications are based on the accuracy of the information you provide. If you have questions filling out the form let us know and we can help.

Download Mortgage Pre-Qualification Form

Need to chat with someone for some more information or guidance? No problem!

SECNY FCU Mortgage Department
2235 Downer Street
Baldwinsville, NY 13027
(315) 638-7061
[email protected]
Fax (315) 638-7103
NMLS # 402177
Monday-Friday 8:30am-5:00pm
Saturday Appointments Available
Contact by phone or email to make an appointment

Found Your Home and Ready to Apply?

Apply for a Mortgage Loan Online

The online mortgage application is the next step once you have received a pre-qualification from us and/or you have obtained documents listed on the purchase checklist. 

Mortgage Checklist Apply Online

Prefer a Paper Mortgage Application? 

Regardless of your preferred method, we make it convenient to apply for a mortgage. If you'd prefer to complete a paper mortgage application, stop by your nearest SECNY branch to request a paper mortgage application packet or contact the mortgage department and we can email one to you.

SECNY Federal Credit Union provides mortgage loans and mortgage refinancing for property in Onondaga County, Oswego County, Cayuga County and Madison County.

Find Your SECNY Branch

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. 

Open an Account Online

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! You can view history, retrieve statements and obtain tax forms along with other useful information pertaining to your mortgage with SECNY FCU.

Access your online account

1 “As low as” rate expressed for 30-year fixed/biweekly mortgage loans and may vary based on credit qualifications and term. Subject to change without notice. Contact Mortgage Department for current rates and details.