Saratoga's Community Federal Credit Union is providing mortgage loans through an agreement with CUC Mortgage. This relationship allows credit union members mortgage programs that meet just about every need. So give us a call for more information or follow the link for information including rates, financial calculators, pre-qualifications, and application status just to name a few.

Conventional Mortgages

You find the home. We’ll handle the mortgage.

As a homebuyer, you’ve got enough on your mind without thinking about a mortgage. Let us handle it for you…with a loan process that’s fast and hassle-free.

Our mortgages are designed specifically to save you money:

  • Fixed- and adjustable-rate mortgages.
  • The competitive interest rates we offer our members every single day.
  • Low down payments, so you keep more of your hard-earned savings.
  • Flexible terms, including lock-in and float options for the best possible rate.
  • Affordable closing cost programs to save you money.

No matter what kind of home you’re buying, we’ll walk you through the process without leaving you in the dark…or pushing you too fast. It’s the kind of "people are worth more than money" treatment you’d expect from your credit union. To find out more, please email us.

FHA Single Family Mortgage Insurance Program

FHA's mortgage insurance programs help low and moderate income families become homeowners by lowering some of the costs of their mortgage loans. FHA mortgage insurance also encourages mortgage companies to make loans to otherwise creditworthy borrowers and projects that might not be able to meet conventional underwriting requirements, by protecting the mortgage company against loan default on mortgages for properties that meet certain minimum requirements.

Refinancing

Would you like to save money, shorten your mortgage term, free up cash, or pay for college? We can make it happen…with refinancing for real people that’s fast and hassle-free.

Our refinancing terms are designed to save you money:

  • Lock-in and float options to help you secure the best possible rate.
  • No upfront costs when you roll them into the new loan amount.
  • The competitive interest rates we offer our members every single day.
  • Every effort made to keep fees low.

No matter what your situation, we’ll walk you through the process without leaving you in the dark…or pushing you too fast. It’s the kind of "people are worth more than money" treatment you’d expect from your credit union. To find out whether refinancing is right for you, please email us.