Loan rates and terms are determined by overall credit history and are subject to change without notice. Applications are subject to credit approval. Membership eligibility required. Equal Housing Lender.

***Mortgage Programs are offered by Owners Choice Funding (OCF) through First Source Federal Credit Union. Mortgages in New York State only. Home Loan interest may be tax deductible. Consult your tax professional about deductibility in your situation. OCF is a registered mortgage lender with the NYS Department of Financial Services. NMLS #56538.

**Mortgage products are offered by Owners Choice Funding through First Source Federal Credit Union. Full disclosures and terms will be provided during Community Heroes Mortgage Program consultations. The summary below is not all-inclusive. Mortgage is restricted to the primary residence (purchase only) located in NY State.

First Source credit and membership eligibility requirements apply. A First Source checking account with payroll direct deposit and automatic mortgage payments is required. The $250 deposit will be made to the program participant’s First Source checking account within 30 days of the closing, upon verification of all eligibility requirements. Personal real estate attorney fee waiver is a $150 credit, not redeemable as cash. Discounted home inspection fee is set by the inspector based on square footage, and not redeemable as cash. You are not required to use the program service provider(s) as a condition of the purchase of the subject property. You may use an alternative provider offering a similar service; however related discounts and other savings will not be available to you.

Proof of employment in healthcare, education, law enforcement, fire and rescue, U.S. military, or veteran status is required to be eligible for the Community Heroes Mortgage Program.