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Buy a Home

Great rates are just the beginning!

Buy a Home

The experts at CAP COM’s mortgage subsidiary, Homeowners Advantage, live and work in the Capital Region and will be with you every step of the way. Keep your mortgage close to home with local appraisal, underwriting and servicing.* To get started, we’ll help you get pre-qualified, in person or over the phone, and find the best mortgage solution for you.

*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.

Get Pre-qualified

Find a payment you can live with.

Get Pre-Qualified

Our pre-qualification process is quick and easy. Call us at (800) 468-5500 ext. 3129 or click below to submit a short application. We’ll help you find an affordable mortgage solution that meets your needs. Then, we’ll give you a pre-qualification letter you can use to make your offer.


Buy vs Rent

Let’s weigh your options together.

Buy Vs Rent

There are advantages to both renting and buying. Are you ready to own a home and start building equity? Ask yourself: Would I need to make major changes in my lifestyle to buy a home? Could I still maintain my other savings goals? We specialize in helping first-time homebuyers make this important decision. We also help find solutions with lower down payments, options with no PMI and other ways to lower closing costs.


Protect your investment

Gain security and peace of mind.

Protect your Investment

Home is where you make memories, so make sure you have the policy you need when protection matters most. Review your homeowners insurance policy regularly to make sure you have enough coverage for the upgrades you make or the items in your home. We've been able to provide quotes for members looking to switch both their auto and homeowners insurance that saves an average of $500 a year. What could you do with an extra $500?



We make it easy with automatic payments.

Servicing Team

The servicing for most of our mortgage loans is handled locally by our team at Homeowners Advantage, CAP COM’s mortgage subsidiary. That means getting answers to your questions and making mortgage payments is quick and easy! You can make a payment at any CAP COM branch or set up a recurring payment through Connect-24 and stop worrying about whether your mortgage payment is made in time.

Mortgage products are offered by our Mortgage team, Homeowners Advantage. Mortgages in New York State only. Rates as of 2/22/2018 9:40 AM. Information is based on a loan amount of $150,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.
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.
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.