Mortgages

For more than 25 years we've worked with OwnersChoice, our credit union-owned mortgage partner, to provide mortgages for members. With OwnersChoice, Genesee Co-op lends for owner and non-owner occupied 1 to 4 family properties and second homes. Through another mortgage partner, FHA, VA and SONYMA loans are also available.

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

 

  • FINANCIAL CALCULATORS 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 1982

"I joined the credit union when they first opened on Monroe Avenue. I wanted to build an account with a financial institution. I saw that they were new and I was starting new - so I thought it would be a good start! They were nice and courteous people. After they moved to South Avenue I wanted to buy a new car and they helped me with that and I have taken out personal loans with them too. They're more personal, a bank doesn't know you from the next 500 people. I always recommend them to people. The credit union looks at the things happening in your life and works with you. They know that people don't fail because they are not working on their life. Sometimes things just happen. I would like to get my next mortgage through them. I love them, they just fit my needs."

Francine Keeton


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