Mortgage Loan in Liverpool
Searching for a mortgage in Liverpool, NY? SFCU is ready to support your path to homeownership. We offer a variety of mortgage solutions with competitive rates and flexible terms designed around your goals. Our knowledgeable, approachable loan officers deliver guidance from start to finish. Whether you’re buying your first home or refinancing, you can count on SFCU for trusted mortgage support.
Benefits of Choosing SFCU Mortgage Loans
Local Service
Work with a lender who truly knows the local market. We keep loan servicing in-house, so your mortgage stays with us from start to finish—right here where you live.
Competitive Mortgage Rates
Keep more money in your budget with competitive mortgage interest rates designed to save you over the life of your loan.
Variety of Repayment Terms
Choose from multiple repayment options that give you greater flexibility and control over both your monthly payment and overall loan cost.
Financing for the Right Home
Find financing that fits your lifestyle. From starter homes to vacation properties, manufactured homes, or land, we offer mortgage options to match your plans.
100% Financing Option
Qualified first-time homebuyers may be eligible for 100% financing of the purchase price or appraised value, with funds needed only for closing costs.
No Hassle Refinance
Our “Drop My Rate” refinance option helps you take advantage of changing market rates without the usual stress or complexity of refinancing.
Mortgage Loan Options We Offer
Secure your dream home or refinance with SFCU's low down payments, fast closings, and competitive rates. Explore our flexible mortgage options and save!
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Estimate the Costs
Use our 'Mortgage Scenario Tool' for quick estimates on home buying costs. Get rates, payments, and closing cost projections for various mortgage options. This is an educational tool and costs may vary. Contact an SFCU Mortgage Specialist for actual costs.
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1
Complete an Application
Our friendly, professional mortgage specialists will walk you through the application process. You’ll provide personal and financial information, property details, and authorization for a credit review.
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2
Get approved
Once your application and financial documents are submitted, we’ll review everything carefully and notify you of your approval status.
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3
Buy your home
After approval, finding the right home, and making an offer, you can move forward confidently and use your loan funds to purchase your new home.
Who Can Apply for a Mortgage Loan in Liverpool?
To apply for a SFCU mortgage in Liverpool, NY you must first become an SFCU member. Membership is open to people who live, work, worship, attend school, or regularly conduct business in eligible New York counties, making you eligible for mortgages and other lending services. Membership requires opening a savings account with a small deposit.
1. Eligible Residents
Individuals who live in one of SFCU’s eligible New York counties can join and apply for a mortgage loan once membership is established.
2. Work or School Connections
If you work or attend school in SFCU’s service area, you can become a member and then apply for a mortgage loan, even if you don’t live locally in Liverpool.
3. Family or Household Members
Immediate family or household members of current SFCU members are also eligible to join and apply for mortgage lending after opening a qualifying savings account.
4. Business or Community Ties
Those who regularly conduct business or participate in community activities within the eligible region can join SFCU, giving access to mortgage products and other financial services.
Why Choose Sidney FCU for Your Loan?
Choose SFCU for your mortgage in Liverpool, NY because of our competitive mortgage rates, personalized service, and commitment to community values. As a member-focused institution, we offer flexible terms and a variety of mortgage options. Our friendly and knowledgeable staff provides guidance throughout the process. Trust us to help you achieve your homeownership dreams.
Visit Our Liverpool Branch
Address: 7545 Morgan Rd, Liverpool, NY 13090
Lobby Hours: Mon – Fri: 9:00 am – 4:30 pm
Drive-Up Hours: Mon – Fri: 8:30 am – 5:00 pm (beginning 2/9/26, the drive-thru hours will be changing to 9:00-5:00)
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The mortgage approval process typically takes about 30 to 60 days, though timing can vary based on documentation and underwriting timelines. Contact SFCU for a more personalized estimate.
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You’ll usually need proof of income, tax returns, bank statements, employment verification, personal ID, and debt details. Additional documentation may be requested depending on your situation.
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Lenders consider your credit score and credit history, including payment history, debt levels, and any derogatory marks, along with income and financial stability in assessing your mortgage application.
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Refinancing can be a good option if current rates and terms improve your monthly payment or long-term costs, but it depends on your financial goals and timing of market conditions.
First Home Mortage Rates
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