FHA, VA & USDA Financing

We are now offering FHA, VA, and USDA mortgage financing through OwnersChoice Funding



  • 3.5% down payment
  • All funds can come as a gift from a relative
  • 6% seller concession


  • 100% financing, 6% seller concession permitted
  • All funds can come as a gift
  • Only for certain rural and suburban-area properties


  • 100% financing
  • Seller can pay all closing costs
  • Must be an eligible veteran


For more information please contact David at pooc.eeseneg@divad or call 585-461-2230 ext 10

The OwnersChoice website offers members many useful tools for the home buying or refinance process including:

  • FINANCIAL CALCULATORS to help you determine what you'd qualify to borrow, how long it would take to recoup your closing costs on a refinance mortgage, etc. Go to OwnersChoice Financial Calculators


  • OwnersChoice's Secure Online Mortgage Application streamlines the processing of your request. Go to the OwnersChoice Application Page to "Apply Online". Be sure to choose the "Albany" office when applying. 


Our Members make the difference.

Member Since 2003

"I love doing business with the Credit Union. While I really like to keep my life simple and close to home, I've kept my accounts with the Credit Union even though I recently remarried and moved a little further away. I just feel welcome, established, and connected there. It feels good to support such a human-sized institution where accounts and lending are handled with compassion and common sense - not just by numbers or a computer program. I feel that by depositing my money at the Credit Union, I am helping it be possible for that money to be lent out to help good things happen for other people. I want my son, Dylan, to be positively influenced by that experience, too."

Patty & Dylan Love

LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510.