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Our branches will be closed on Thursday, November 26, for Thanksgiving Click here to learn more.

As we monitor health conditions in the Capital Region and adhere to official guidance, CAP COM may experience staff shortages. We appreciate your patience if you encounter longer wait times, or if your branch has shifted to drive-thru or appointment-only services. Please check back for the most up-to-date information.


Mortgages & Assistance

Indulge in the thrill of house hunting and leave time-consuming business details to us. Our team will help you locate an affordable mortgage solution that matches your needs and budget – from a wide array of financing options (below).

Once you are pre-qualified for your loan, make your offer with speed and confidence. Let the team at Homeowners Advantage, a CAP COM subsidiary, be your guide and personal home-buying advocate.

Community Heroes Mortgage Program ($1,000+ value)

This mortgage program rewards people who make our wellbeing a top priority. You’re eligible to participate if you are in the U.S. military (active-duty or veteran), work in law enforcement, fire and rescue, healthcare, or education. As a Community Hero, you will receive $1,000+ in cash/discounts toward your home purchase. What’s more, this program applies to any mortgage listed below. Explore Community Heroes Mortgage Program benefits and eligibility.

Purchase Special:
Ask how you can save 0.125% off a new fixed-rate mortgage.

Call: (877) 266-7722

Certain restrictions apply. Not qualified for mortgage refinance.


Fixed Rate Mortgage

Finance up to 95% of the purchase price and enjoy quick processing time with same-day pre-qualification – if credit qualified. Flexible rates and terms are available. 

Adjustable Rate Mortgages (ARM)

Payments may adjust up or down based on interest rate changes. You will see loans referred to as a 5/1 or 10/1 ARM. The first number is the number of years that the initial interest rate is locked in. The second number is the number of years between possible rate adjustments. The 10/1 is a very popular choice because it has an initial interest rate for 10 years that is sometimes as much as one percentage point lower than a traditional 30-year loan. After the 10 years is up, the rate then adjusts each year for the remainder of the loan. Ask about ARMs designed for buyers who are relocating from overseas with no requirement of credit score or seasoned funds.

100% Financing

For homebuyers with a good credit rating who need money for a down payment and closing costs, our 100% Financing solution may be worth a look. Options include fixed and adjustable rate loans.

Find out the top five reasons homebuyers choose 100% financing.

FHA Loan

Perfect for first-time homebuyers, members with low down payments or those with less-than-perfect credit. The seller can contribute up to 6% toward closing costs and pre-paid items.

VA Loan

VA loans allow for 100% financing of the appraised value owner-occupied properties with 1-2 units. Must be an eligible veteran. The seller can contribute up to 6% toward closing costs and pre-paid items.

USDA Rural Loan

Guaranteed RHS Program allows financing up to 100% of the appraised value. Income and property limitations apply. No monthly mortgage insurance required. The seller can contribute up to 6% toward closing costs and pre-paid items. Many areas surrounding the greater Capital Region qualify for this program, so ask us.

Jumbo Loan

Loans greater than $417,000 and up to $1 million with predictable monthly payments. Flexible rates and terms available.

Investment, Multi-Family

We have financing options for investment and multi-family properties (up to 4-family units). Our Business Services group also finances investment properties of 2-20 units. Find out more.

Construction End Loan

Perfect for when you’re buying in a subdivision and your homebuilder doesn’t need cash during the construction phase. Lock in a rate for 330 days. Options available with 10% down payment and no PMI required. Choose from a 15- or 30-year fixed-rate Mortgage as well as adjustable rate mortgages.

Options available with 10% down payment and no PMI required. Land already owned can be used as a down payment.


Homebuyer Dream Program Assistance

The Homebuyer Dream Program helps reduce the cost to buy a home. If you’re a first-time homebuyer, you may be eligible for grants up to $15,000!

See how to qualify.


APR equals Annual Percentage Rate. 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; 7/1 ARM at 2.75% with a 4.127% APR is $4.08 per $1,000 borrowed for the first 7 years then subject to increase; 5/1 ARM at 2.50% with a 4.285% APR is $3.95 per $1,000 borrowed for the first 5 years then subject to increase. ARM rates quoted are based on Credit Union membership at the time of loan disbursal and selection of our Automatic Payment Plan. Ask about other rates and terms.
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of CAP COM FCU. Mortgages in New York State only. Home loan interest may be tax deductible. Consult your tax professional about deductibility in your situation. HOA is a Licensed Mortgage Banker - NYS Dept. of Financial Services. HOA NMLS Identifier: 290363. Principal Address: 4 Winners Circle, Albany, NY 12205.
If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.
Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.