We're Here to Help (315) 735-8571

Conventional Mortgage Loan

Flexibility For Your Budget

A Conventional Mortgage is a great choice for those with good credit ratings and enough savings available for a down payment and closing costs.

Young couple relaxing on floor enjoying their new home.


What Is A Conventional Mortgage?

A Conventional Mortgage loan is issued by a private lender versus backed by the U.S. government. It requires good credit to qualify, and also allows more flexibility. 


Conventional Mortgage Loans Offer:

  • Financing up to 95% of the price (up to 97% of the price in conjunction with our Home Possible Program)

  • Quick processing and closing

  • Flexible rates and terms

  • Investment properties (secondary market 1-4 units)

  • Second homes

  • Seller can contribute up to 3% (up to 6% with 10% down, up to 9% with 25% or more down)


Mortgage Checklist

As you prepare to speak with one of our Mortgage Specialists, we recommend downloading our handy Mortgage checklist. This guide will help you gather and organize the paperwork you’ll need to start the mortgage process.

Download Our Checklist


Get Started

Every situation and home is unique. We look forward to working with you on your specific need for affordable home ownership. If you’re not ready to apply for a Mortgage loan, you might want to consider scheduling an introductory discovery call with one of our Mortgage Team representatives. Simply click on the button below, select the “Apply for a Loan” service from the menu and choose the “Mortgage Services” option.

Make an Appointment


Looking For More Information?

Check out our Online Mortgage Center for helpful tips and if you’re ready, you can start the application process right here.

You’ll also find today’s mortgage rates, the ability to check the status of your loan, and answers to just about any question that you may have about mortgages.

Online Mortgage Center

Let’s Get Started

We look forward to helping you.

Apply Now

First Source credit and membership eligibility requirements apply. 

Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. HOA is a licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany, NY 12205. CAP COM FCU NMLS Identifier: 401261.