Lost or stolen debit/credit card? – Call (607) 763-6565, opt * | Instagram Like Us on Facebook

Newsletter | Branches & Hours | Routing & Transit # 021 383 463

Mortgage Loans

We're Here to Navigate You Through the Home Buying Process

Apply For a Mortgage Now

Are you a UHS Employees Federal Credit Union Member with questions regarding getting a mortgage loan? Well, we can help you along with our mortgage partner, Owner’s Choice Funding. Our mortgage consultant can help you identify your needs, answer your questions and navigate you through the home buying process. Owner’s Choice Funding allows us to offer our members a varied list of products including fixed and variable competitive rates and flexible terms. Coupling that with an easy application process and life long servicing of your loan, Owner’s Choice can make your home buying experience a pleasant one.

Whether it is your primary residence, a second home or an investment property, we can help you try to obtain the financing that you need. All requests for credit are reviewed in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act. Stop in at any of our three locations and let us get you started today for your chance to become a homeowner. You may also directly contact Colleen Stiner-Collins at 607.422.3872 or colleen.stiner-collins@nyuhs.org OR Melody Harford at 607.762.2297 or melody.harford@nyuhs.org . Lastly, if you prefer, you may go directly to ownerschoice.com and click on First Time Home Buyer, Request a Consultation and complete the information being requested. Be sure to reference that you belong to the UHS Employees Federal Credit Union and reference either Colleen or Melody as your Credit Union contact.

Home Equity and Mortgage Refinancing

A home equity loan is a closed-end loan, with a fixed term, that uses the equity of your home as collateral.

If you currently have a mortgage with more than 20 years remaining, we may be able to help!  Reducing a 20-30 year debt to a loan that you can have paid off in 10-20 years or less may be more affordable than you think.  We currently hold all of our home equity loans on our own books, meaning your loan will not be sold off to another financial institution. Additionally, our lending staff has decades of experience and do not work on commission, so they really do want to get the best loan for you on your terms.

You may be required to pay certain fees to third parties to open a Fixed Rate or Variable Rate Home Equity Loan.  These fees generally total between $510.00 and $3,000.00.  We can provide you with an itemization of the fees you will have to pay to third parties, if you request them.  Proof of home owner’s insurance is required.  Flood Insurance may be required.

home equity