No Closing Cost Mortgages

Our No Closing Cost Mortgages saved our members over $4.3Million in closing costs in the past 5 years! 

Apply Online or  Meet the Team

Features

  • Fixed Rate
  • 10, 15, 20, or 30 year terms available
  • No Closing Cost Refinance Mortgages are also available

What Will You Save

If you choose a No Closing Cost Mortgage, you save on the following closing cost fees:

  • Appraisal
  • Credit Report
  • Flood Certification
  • Mortgage Tax
  • Lender’s Title Insurance
  • Tax Service Fee
  • Recording Charges

 


 

NO CLOSING COST MORTGAGES
No Closing Cost Loans require a 3-year recapture period, Transformation Checking with Direct Deposit, and Autopay.
 
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.