Owner-occupied 1-4 unit residence, condominiums, modular homes and planned unit developments (PUDs), or second homes.
Manufactured homes; cooperative housing (co-ops); property used for agriculture, farming, or commercial enterprise; vacant land; investment property; and multi-family (5+ units).
This option is available on most fixed-rate and adjustable-rate programs in New York State in the following counties: Erie, Genesee, Livingston, Monroe, Niagara, Ontario, Orleans, Seneca, Wayne, Wyoming, and Yates
Payment Due Date
Payment due date is determined when your loan is disbursed.
No prepayment penalties
When you get a mortgage from ESL, you can pay it off at any time without worrying about any prepayment penalties.
See Fixed-Rate Mortgages or Adjustable-Rate Mortgages for all other mortgage details.