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Mortgages

house with stack of money

Mortgages

Mortgages Made Easy with First New York!

We are here to make your home ownership dreams come true with competitive rates and mortgages that fit your life.

Whether you are a first time home buyer, or looking to refinance the home you are in, we can help! Speak with our Mortgage Loan Officer, today for a fast, local decision.

30 Year Fixed Conventional Mortgage

First Time Homebuyer Program

Adjustable Rate Mortgage

Get Pre-Approved

Save time and get pre-approved for a Mortgage.

Get Pre-Approved

Mortgage Calculators

Simplify money management with Mortgage calculators.

Mortgage Calculators

View Mortgage Rates

View today's rates for our Mortgage options.

Explore Our Tailored Mortgage Options Below

30 Year Fixed Conventional Mortgage

Low rates with Home Equity Lines of Credit with First New York

With our 30 Year Fixed Conventional Mortgage option, your interest rate remains the same over the life of your mortgage, offering stability for you and your budget.

Program Benefits

• Interest Rate Remains the Same Over the Life of the Mortgage.

• Stable Rate Makes Budgeting Easier and More Predictable.

• Affordable Interest Rates.

Email Our Mortgage Loan Officer

Text our Mortgage Loan Officer

First-Time Homebuyer Program

Home Sweet Home First Time Home Ownership Loans

Home Sweet Home is a mortgage program offering affordable, low down, payment financing for low to moderate-income first-time home buyers.

Program Benefits

• Down Payment as low as 3%.

• Up to 6% in Seller Concessions.

• Reduced Personal Mortgage Insurance (PMI).

• Affordable Interest Rates.

• No Points Added.

• Loan Terms up to 30 Years.

Program Requirements

• For Borrowers At or Below the Area Median Income Limit.

• One or More Borrowers Must Be a First-Time Homebuyer.

• Free Homebuyer Education Course Attendance Required.

• Mandatory Escrow for Taxes & Insurance.

• Financing for 1-2 Unit Primary Residence.

• 660 Minimum Credit Score.

• 43% Maximum Debt-to-Income ratio (DTI).

Email Our Mortgage Loan Officer

Text our Mortgage Loan Officer

Flex ARM Program

Home Owning at First New York

Helping our members achieve their home financing goals, the Flex Adjustable Rate Mortgage (ARM) offers a lower interest rate for a fixed period, resulting in a more affordable payment.

Program Benefits

$300 Closing Cost Credit*

7/1 Adjustable Rate Mortgage (ARM)

• The rate is fixed for the first 7 years.

• The rate is 1.00% below the 30-year rate.

• 30-Year Repayment Term.

10/1 Adjustable Rate Mortgage (ARM)

• The rate is fixed for the first 10 years.

• The rate is .75% below the 30-year rate.

• 30-Year Repayment Term.

Program Requirements

• Financing for 1 Unit Primary Residences.

• 680 Minimum Credit Score.

• 43% Maximum Debt-to-Income Ratio (DTI).

Email Our Mortgage Loan Officer

Text our Mortgage Loan Officer

Reimagine Savings with Our Mortgage Refinance Calculator

Our Mortgage Refinance Calculator can help you rediscover your saving potential.

View All Of Our Calculators

Gina Kubow at First New York

Meet Our Mortgage Loan Officer

Gina Kubow
Mortgage Loan Originator

Gina.Kubow@firstnewyork.org
518-646-2980
NMLS #515617

Email Gina Kubow

Text Gina Kubow

*Paid by Owner’s Choice when you sign up for automatic payments.

**Government loan programs including FHA, USDA, VA are available through a third party provider, OwnersChoice Funding. Please contact us for more information.