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 ator 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.
- Click on this link for our current mortgage rates.
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."