Mortgages

The American dream of buying your own home can easily become a reality with our simple mortgage lending process. When you finance a home with Adirondack Regional Federal Credit Union, your money stays within the local community. We don’t sell our mortgages to large financial companies or the secondary market, which means that the underwriting process is easier and it’s less of a hassle to get you into your new home. We can also issue mortgages, in some cases, without requiring an appraisal.*

What Should I Expect When Applying for a Mortgage?

Applying for a mortgage is a big step in anyone’s life. Our experienced loan officers will personally guide you through the application making sure you understand the mortgage lending process along the way. Like all our financial services, we take the time to personally review your unique financial situation, not just your credit score. This allows us to personalize the best mortgage for your specific needs. After all, we care deeply for our community and consider it an honor to help our members join the neighborhood, move to a bigger house, or purchase that family getaway.

Do you Offer Escrow Accounts?

Yes! We know that calculating annual taxes and home-owners insurance costs can be a confusing part of buying a home. We will work with you to determine how much you need to put in your escrow account per month, taking out the guesswork. Even better, your escrow account has the ability to earn interest.

Visit our Tupper Lake, Plattsburgh, or Potsdam branch today, and let us help you buy the house of your dreams!

*Mortgage or homeowners insurance is required

Current Mortgage Rates

Effective as of: 3/30/2021
Approximate Term Annual Percentage Rate as Low As
1-10 years 3.50%
11-20 years 3.75%
21-30 years 3.90%