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Whether you are buying your first home, relocating, refinancing, or building your dream home, we are here to guide you ­— every step of the way!

Our Mortgage Options

• Conventional (FL, MD¹, NC, NY, PA)
• Condo/Townhouse (FL, MD¹, NC, NY, PA)
• Construction (MD¹, NC, NY, PA)
• Lot Loans² (NC) - If you are interested in learning more, call or email us today.
• Low Down Payment Option - Starting at just 3%³ of the purchase price for qualified buyers. If you are interested in learning more about our low down payment option, call or email us today.
• Renovation (MD¹, NC, NY, PA)
• VA (eligible active-duty service members and veterans in NC, NY, PA) - If you are interested in learning more, call or email us today.

Get Started

We can get your mortgage approved in minutes rather than days or weeks! We also offer free pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

Get a Rate that Fits Your Budget

Today's Featured Rates

Determine What You Can Afford - Use our easy rate quote tool to get a quick, accurate, and personalized rate quote.

Rate Watch - Let us track interest rates so that you don't have to!

Before You Buy, Do Your Homework

• Home Buying Resources - Our StraightTalk^® Home Buying Resources explains how to find and buy the best house for your needs and budget.
• Worksheet - What are your wants vs. needs in a house? Be sure to compare these lists to each home you visit!
• Worksheet - Rate the houses that you have visited. Track and compare the features/issues of each house you visit.
• Articles:
  • Purchasing a Home
  • Buying or Refinancing a Home? Tips for Finding the Right Mortgage
  • Home Buying for Empty Nesters
    • Thinking of a new home? Choosing one that fits your present and future needs
    • Buying a retirement home in a specialized community
    • Ensuring That Your Home is Accessible Long-Term
  • Deceptive Mortgage Ads: What They Say; What They Leave Out - From the Federal Trade Commission
• Calculators:
  • How much would my monthly payment be?
  • How much can I save with a 15 year mortgage?
  • Can I save money by refinancing now?
  • How quickly can I pay off my mortgage by making additional payments?
  • Does it make sense to pay points to get a lower interest rate?
  • Should I buy a home or continue to rent?
  • Should I consider consolidating my debt with a cash-out refinance?
  • How much of a loan can I qualify for?
• Videos:
  • Attorneys: Gabe and Steve Rossettie tell us why is it important to have attorney representation when buying a home and at what stage a person should get an attorney involved in the home buying process.
    
    
  • Home Inspector: Rick Bates tells us the one thing people are often surprised by during the home inspection process and how someone should look for and choose a home inspector.
    
    
  • Realtor: Michelle Costanza explains the role of a realtor throughout the home buying process and why is it important to have a good relationship with your realtor.
    
    

   

   

¹Maryland residents, please give us a call or email to schedule an appointment by phone to apply.

²Maximum of 5 acres and maximum loan amount of $125,000. Property insurance is required. With a down payment of 20% or greater, escrow for taxes and insurance and PMI is not required. You should consult a tax advisor for information regarding the deductibility of interest and charges. Some restrictions apply.

³Membership eligibility required. Corning Credit Union is an Equal Housing Lender. **Approval for financing is subject to lending guidelines and credit qualifications. You should consult a tax advisor for information regarding the deductibility of interest and charges. Property insurance is required. An example of a monthly principal, interest, and private mortgage insurance payment for a 3% low down payment fixed-rate mortgage on $97,000.00 at 5.588% annual percentage rate for 360 months would be approximately $585.39. This payment does not include property taxes and homeowner/flood insurance. The interest rate for the 3% low down payment mortgage product is .5% higher than a conventional 5% down payment mortgage. Private mortgage insurance and escrow for taxes and insurance are required with a down payment of less than 20%. Some restrictions apply based on the product you choose.