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Home Financing Options

Whether you found your dream home, would like to refinance an existing mortgage, or just need to tap into your home's equity, look no further than HVCU. We can help you through all the important steps of determining which option best fits your needs.




If you are looking to purchase a home or need
to refinance, we have mortgage options
that are right for you.


View Mortgage Rates

Explore Mortgages

Home Equities

Home Equities

Home equity financing can help pay for home
renovations, education expenses, a
daughter’s wedding, or a new business.

Apply online

View home equity Rates

Explore Home Equity

  • Conventional Fixed Rate
  • Jumbo Fixed Rate
  • Residential Investment Property
  • Second Home
  • State of New York Mortgage Agency (SONYMA)

  • FHA Loans
  • VA Loans
  • Rural Housing Loans
Variable Rate

Meet Our Mortgage Loan Officers

Our Mortgage Loan Officers can help you compare your options and complete your application online, over the phone, or in person. They can also assist with gathering the required documentation you need to process your application.


Select a Mortgage Loan Officer

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Schedule of Mortgage Servicing Fees

Each county charges a satisfaction fee when you pay your mortgage in full and this fee will be passed on to you. Satisfaction fees range from $46.50 to $725.00 depending on the county in which the property is located. Your actual satisfaction fee will be determined at the time of the payoff and the property location.

1 Eligibility and total amount financed for home equity loans and interest only home equity lines of credit are based on an evaluation of applicant credit, appraised value, and existing liens (LTV). Maximum loan amount for TLTV 90.01% - 100% is $100,000.
2 As an example, a 180-month term and an 80% total loan-to-value for a home equity loan with a fixed rate of 6.50% APR would result in an estimated payment of $8.71 for each $1,000 financed.
3 As an example, a $30,000 180-month solar panel loan with a fixed rate of 6.50% APR would result in a payment of $261.33.
4 The variable rate is subject to increase. Maximum annual percentage rate is 18%.
5 Closing costs associated with this product are waived, provided loan is under $150,000 and is maintained for a minimum of three years. HVCU will pay for property appraisal, credit report, flood certification, attorney fee, mortgage tax, recording fee, and title search. Borrower is responsible for both homeowners and flood insurance. Borrower is responsible for title insurance fees for home equity loans and lines of credit over $150,000. View full APR and disclosure information.