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 2006
"My parents have been members of the credit union for more than 30 years and I became a member by default - a kind of family tradition. My parents opened an account for me and I learned how to fill out the slips to take out and put in money. Two of my siblings also have accounts there. I'm working now and feel a sense of pride when I think about being part of the credit union. They're not just people there, they're friends. They all know my name and it's a really friendly place."