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CFCU Credit Union

Routing #: 221381540

Routing #: 221381540

Mortgage Loans

Our knowledgeable professionals will guide you through every step of the mortgage process.

We have lots of options to fit your needs and our mortgages are decisioned on and serviced locally. Visit our Mortgage Center to apply and find even more information.

 

Mortgage Center

No Closing Costs*

Low-Rate Mortgages

Fast Approval

Get Pre-Approved

What's the Difference Between Pre-Qualification and Pre-Approval

  • A pre-qualification is a quick estimate of a loan amount you may qualify for. A pre-approval is a conditional commitment to provide a mortgage to you.

Why Should Getting Pre-Approved be My First Step?

  • Getting pre-approved will provide you with a realistic budget amount when shopping.
  • During the process, you will obtain great information about the different mortgage programs available.
  • The market for buying is very competitive, having a pre-approval will increase your chances of the seller accepting your offer since it means there will be fewer issues finalizing the mortgage.

How to Get Pre-Approved

  • Apply Online
  • Fill out a loan application at one of our branch locations
  • Receive a call from one of our knowledgeable Mortgage Lenders

First Time Homebuyer?

Home Buying Resources

We know buying your first home can be intimidating. That’s why we’ve put together these guides to help you get started.

Dream Home Club

Are you a first time Home Buyer and looking to save more for that down payment? Check out our funds matching savings program.

Dream Home Club Details

*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.