FHA, VA & USDA Financing

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

 

FHA:

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

USDA:

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

VA:

  • 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 2004

"What has the CU done for and meant to me? How about warmth and security? When I joined I felt, and still feel, that the diversity of the neighborhood is well represented both by the CU's members and its employees. As welcoming as the staff is, I had no problem following when the building on Gregory St became its new home. The loyalty I felt to Genesee Co-op FCU at that time has been validated by an incident in May 2009. One of my checks was presented to the teller, unsigned, for a large amount. When that individual came back with same check supposedly signed by me, the CU refused to cash it, because the staff recognized the signature as forged. I got to see how the sense of kinship the CU propagates, plays out in order to safeguard its members. Thank you, team."

Merrie Camp


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