Home Loans

Your homeownership journey starts here.

Buying or refinancing? We offer home loans for houses, condominiums, and cooperative apartments, including HDFC co-ops.

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Use our mortgage calculator to explore what your estimated monthly payment could look like.

Mortgages

  • Fixed and adjustable rates

  • 5/1; 7/1; 10/1 ARM

  • Pay off in 15, 20, and 30 years

  • Low closing fees

  • Real Estate (houses of up to 4-family house)

  • Condo apartments

  • Coop apartments (HDFC included)

  • No pre-payment penalties

  • Cash-out is available

To get started: Apply Now — Español- Precalificación hipotecaria
contact us at Homelending@neighborhoodtrustfcu.org or text (212) 740-0900.

Home Equity Lines of Credit (HELOCs)

  • Second mortgage

  • Low closing fees

  • Use it to improve your property, pay off expensive balances, or more.

  • Available for most types of properties (real estate. Coop, condos)

  • No-prepayment penalties

  • Amount: Up to $200,000

To get started: Apply Now
contact us at Homelending@neighborhoodtrustfcu.org or text (212) 740-0900.

Home Equity Term Loans (HETL)

  • Fixed rates

  • Low closing fees

  • Real Estate (houses of up to 4-family house), Condo apartments, Coop apartments (HDFC included)

  • Review your FICO score and work your budget with our Financial Coach.

  • Use it to improve your property, pay off expensive balances, or more.

  • Available for most types of properties (real estate. Coop, condos)

  • No-prepayment penalties

  • Amount: Up to $200,000

To get started: Apply Now
contact us at Homelending@neighborhoodtrustfcu.org or text (212) 740-0900.

Funding for Building Coops (HDFC and Conventional)

  • Low closing fees

  • Flexible underwriting criteria

  • Loan amounts based on Building Financial Evaluation

  • To get started: contact Evelyn Bermeo by email or call (212) 740-0900, ext 324