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Purchase Your Home

When you're ready to move ahead, we're here to support you.

Before you begin your search for a house, let's talk. Our local teams ease the process and streamline your purchase.

  • First time? Let us be your guide and coach
  • Unique, affordable mortgage solutions
  • Let us tailor a mortgage for your needs
  • Local expertise: appraisal through servicing1

Apply Now


Mortgage Solutions

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Fixed-Rate Mortgage
Finance up to 97% of the purchase price (if qualified) and enjoy quick processing with same-day pre-qualification – if credit qualified. Flexible rates and terms are available.
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Adjustable-Rate Mortgages
Payments may adjust up or down based on interest rate changes. Ideal if you will be in your home for about 10 years or less. Multiple options to fit your specific needs.
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Multi-Family/Investment
Financing options for investment and multi-family properties (up to 4-family units).

Apply Now

Contact Us

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100% Financing
If you have good credit but need money for a down payment and closing costs, consider 100% Financing. Fixed- and adjustable-rate options are available.
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FHA Loan2
For first-time homebuyers with credit challenges, the FHA Loan offers a lower down payment. Sellers can provide up to 6% toward closing costs and pre-paid items.
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VA Loan2
Eligible veterans can obtain up to 100% financing for owner-occupied properties (1-2 units). Sellers can provide up to 6% toward closing costs and pre-paid items.

Apply Now

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Community Heroes
Receive $1,000+ in cash/discounts toward your home purchase if you work in a Community Hero service profession. Use it with any type of mortgage we offer.
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Homebuyer Dream Program
If you’re a first-time homebuyer, you could be eligible for grants up to $15,000 via the Homebuyer Dream Program. This is a seasonal program and grants go quickly.

Apply Now

Contact Us

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Construction End Loan
If you’re buying in a community and the builder doesn’t need cash during construction, this loan may be ideal. You can lock in the rate for up to 365 days.
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USDA Rural Loan
This program finances up to 100% of the property's appraised value with no mortgage insurance. Sellers can provide up to 6% toward closing costs and pre-paid items.
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Jumbo Loan
The Jumbo Loan features favorable rates, flexible terms, and dependable payments on purchases greater than $548,250.

Apply Now

Contact Us

Community Heroes Mortgage

Receive $1,000+ in cash/discounts toward your home purchase if you work in the Healthcare, the U.S. Military, Education, Law Enforcement, or Fire & Rescue professions.3

  • Complimentary personal real estate attorney representation (optional)
  • Discounted home inspection
  • $500 deposit after closing (with CAP COM direct deposit and auto-pay through ACH)
  • Your own dedicated Community Hero team

Apply Now

How Much Can I Afford?

Buying a house is a major commitment, so it pays to do a little homework in advance. Use our calculator to:

  • Gauge your price range before you shop
  • Dial in various loan rates and terms
  • Calculate monthly payments

Calculate Your Savings

Knowledgeable and Approachable

"CAP COM ... guided me through the mortgage process, making what easily could have been a daunting and overwhelming process manageable."

- Sara, Rensselaer

Meet Your Team

Let us help you navigate your home-buying journey. Get to know the experienced Mortgage Loan Officers on our team.

  • See bios of team members
  • Choose a Mortgage Loan Officer
  • Referred? Connect with the MLO.
  • Reach out for a loan or guidance

See Team Bios

Bank Well Live Well

Simplify your finances and enhance your life. Make the most of every CAP COM benefit.

Save on Insurance

Getting quotes on your insurance can reveal eye-opening savings. Submit one request and get multiple quotes.

Get Quotes

Cash on Demand

Seeking a way to remodel, cover college tuition, pay off high-interest debt, or another big expense? See how you can tap your home's equity.

Home Equity Line of Credit

Commercial Real Estate

Let us tailor financing for your investment and multi-family properties. Funding is available for up to 20 units with terms to suit your situation.

Learn More

  1. While many Mortgages are serviced locally there may be instances where this is not the case. Our Mortgage experts can provide you with information regarding the servicing of your particular loan.

  2. CAP COM FCU and its subsidiary Homeowners Advantage can facilitate but are not directly associated with Veterans Affairs (VA) or the US Dept. of Housing and Urban Development (HUD).

  3. 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 New York State.
    • Must be credit qualified and eligible for CAP COM membership. A CAP COM checking account with payroll direct deposit and automatic mortgage payments through ACH is required.
    • The $500 deposit will be made to the program participant’s CAP COM checking account within 30 days of the closing, upon verification of all eligibility requirements.
    • Personal real estate attorney fee waiver is a $500 credit, 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.
  4. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. Representative payment for a 30 year fixed mortgage at 3.375% with a 3.45% APR is $4.42 per $1,000 borrowed. Representative payment for 10/1 ARM at 3.00% with a 3.956% APR is $4.21 per $1,000 borrowed for the first 10 years then subject to increase. Rates are accurate as of   and are subject to change without notice. Adjustable Rate Mortgage (ARM) rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Rates are based on a purchase or no cash out refinance, cash out options may affect your rate. If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums. Ask about other rates and terms.

  5. Mortgage products in New York State only and 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.