We are here to make your home ownership dreams come true with competitive rates and mortgages that fit your life.
Mortgages
Mortgages
Mortgages Made Easy with First New York!
30 Year Fixed Conventional Mortgage
First Time Homebuyer Program
Adjustable Rate Mortgage
Explore Our Tailored Mortgage Options Below
30 Year Fixed Conventional Mortgage
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.
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First-Time Homebuyer Program
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).
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Text our Mortgage Loan Officer
Flex ARM Program
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).
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Text our Mortgage Loan Officer
Reimagine Savings with Our Mortgage Refinance Calculator
Our Mortgage Refinance Calculator can help you rediscover your saving potential.
