Mortgage & Refinance

No Closing Cost Options

We believe in guiding you through every step of the mortgage and refinance process. Whether it be your first or fifth, we are here to serve you with local decisions and local servicing. We even have No Closing Cost options which saved our members over $850,000 in closing costs last year! 

For a Mortgage or Mortgage Refinance in Seneca and Cayuga Counties

Contact Caleb Frederick

Mortgage Options

Don't worry, we can help you find the right mortgage for you. As a local not-for-profit financial institution, you are our focus.

  • Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • No Closing Cost Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • Adjustable Rate Mortgage

  • FHA (15 or 30 year term)

  • Jumbo Loans (greater than $484,350)

  • Veteran's Administration Loans

  • USDA Rural Development

Refinance Options

  • Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • No Closing Cost Fixed Rate Mortgage (10, 15, 20, or 30 year term)

  • Adjustable Rate Mortgage

  • FHA (15 or 30 year term)

  • Jumbo Loans (greater than $417,000)

Rates

Rates are ever changing; however, we do post daily rates and our terms in our Mortgage Center!

Mortgage Center

Hoping For A Lower Mortgage Rate?

Let us track it for you. Tell us what rate you want, we'll send you an email when we hit it!

Mortgage Rate Tracker


For Mortgage Refinance, certain restrictions apply with current CFCU Mortgages.

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).

BORROWER COMPLAINTS AND INQUIRIES

CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.