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Mortgage Solutions

A wide range of mortgage solutions. Expert guidance. Award-winning service. It’s all part of our effort to help you choose the right mortgage and guide you through the home-buying process.

Which mortgage is right for you?

Fixed-Rate Mortgage

With a fixed-rate mortgage, you’ll get payments that stay the same for the life of your loan. Give yourself a sense of security as you move in to your new home.

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Home Possible® and Home Possible® Advantage Mortgages

Do you need more flexibility? Do you have limited income, or difficulty coming up with a big down payment? If so, our super-flexible Home Possible mortgage program may be right for you.

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Mortgage + Home Equity Financing

Here’s a great mortgage option that will help you buy a home with as little as 10% down. You’ll also avoid Mortgage Insurance, thanks to additional financing from an ESL Home Equity Loan or Line of Credit.

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FHA Mortgage

If you meet certain requirements, you can qualify for an affordable home loan insured by the Federal Housing Administration (FHA). With less cash needed upfront for a down payment, homeownership may be closer than you think. There are several mortgage programs available. And we’ll help you compare the benefits and costs with all of your other options.

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Adjustable-Rate Mortgages

With an Adjustable-Rate Mortgage (ARM), you can start out with the lowest possible rate. That’s why it’s a great home-buying option if you’re planning to move or want to consider refinancing your mortgage in the next few years.

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First Home Clubsm

The First Home Club, made available through the Federal Home Loan Bank of New York (FHLBNY), puts homeownership in reach for eligible first-time homebuyers by providing grant assistance to help with down payments and closing costs.

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Investment Property Mortgages

Looking to purchase or refinance 1–4 family rental property? With expert guidance and flexible loan options, we can help you meet your investment property needs.

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