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Home Mortgages

UFirst Federal Credit Union is your local, full-service home loan provider. We make the process of home buying a pleasant one. Whether you’re buying a new home or refinancing an existing home, UFirst FCU’s personal service and local decision-making provides convenience and peace of mind every step of the way. We offer a variety of mortgage products to ensure you choose the best option to suit your budget or lifestyle.

Buy A Home

We offer a variety of loan terms and rate options to meet your needs to finance single family homes or multi-unit homes with up to 4 units as long as one is occupied by the owner.

  • Construction Loans (up to 80% maximum financing)
  • PMI Mortgages (up to 97% maximum financing)
  • Conventional Fixed Rate Mortgage (up to 80% maximum financing)
  • Conventional Adjustable Rate Mortgage (up to 80% maximum financing)

We have also partnered up with HomeOwners Advantage & Owners Choice Funding to give you, as our member, the best service possible when it comes to buying or refinancing your home. HomeOwners Advantage and/or Owners Choice Funding can offer you competitive rates and superior home loan programs like:

  • FHA/VA
  • USDA
  • Investment Properties
  • Secondary Home Purchases

Construction Permanent Loans

Benefits of Construction Permanent Loans:

  • Finance up to 80% of the cost to build.
  • Mortgage Servicing retained locally.
  • Unlike other types of construction mortgages, UFirst FCU's loan allows you to lock your interest rate and close your loan before construction is even started. 
  • Loan disbursement is made during construction to cover the cost to build, and fixed interest-only payments are paid during the construction phase.
  • Offers a smooth transition from the construction to permanent financing with only one application and one closing. 
  • Scheduled monthly payment of principal and interest plus escrows (if applicable), only take effect when construction is complete and the loan converts to a permanent mortgage.
  • Self-builds are possible with approval

Meet our Home Loan Team

Ready to get started? Sit down with one of our Mortgage experts to find the option that's right for you!

Jessica Bernard

Lending Manager

NMLS# 1450817
 Email Jessica
Plattsburgh Main

Setup an appointment

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