Empower Federal Credit Union - Baldwinsville, NY

Empower Federal Credit Union
15 East Genesee Street,
Baldwinsville NY 13027
Tel: 315.477.2200
800.462.5000

Mortgages

Empower Federal Credit Union offers a complete line of Mortgage Products for all home buyers. Our mortgage department offers top notch professional service, experienced mortgage consultants, low closing costs (no broker fees), discount points available on many products, and streamlined documentation.

Fixed Rate Mortgages
Conventional Fixed Rate Loans with Loan to Values up to 95%

Terms from 10 to 30 years

Adjustable Rate Loans
1,3,5 and 10 year adjustable rate mortgages (ARM)

Loan to Value up to 95%

Cash-out Refinance
Loan to Value up to 80%

First Time Home Buyers Program
5% minimum down payment
Gifts, grants and other approved sources may be used for closing costs
Credit union will pay a portion of the closing costs

Manufactured Homes
Loans offered on double wide and modular homes only
Certain restrictions apply

Member Business / Commercial Mortgage Products
Owner Occupied Fixed and Floating Rates, Maximum LTV 80%
Investor Owned Fixed and Floating Rates, Maximum LTV 80%

Apply online by visiting the MEMBER CENTER to obtain a mortgage application. The website you will be directed to is a third party partner of Empower Federal Credit Union. Please note that you will be completing your application with this partner. To contact our Mortgage Department by phone call 1.800.462.5000 option 3

To get the best mortgage rates possible, strive for the best Credit Score! Request your credit report once a year from each of the major credit bureaus. Then, contact an Empower Financial Service Representative to learn how to improve and enhance your credit score.

Â© 2009 Empower Federal Credit Union