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 Deniz at pooc.eeseneg@zined or call 585-461-2230 ext 16

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

"When I first came to the credit union and talked to one gentleman, he was so amicable and welcomed me with a warm reception. I have stayed solely because of the employees. All of them, without any discrimination are welcoming, friendly, amicable people. Everyone is suitable for the job as I see it from the front desk, the tellers and supervisors. I also get the advantage of having my tax return prepared for which I thank you all solicitously."

Ephraim Kinfemichael


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