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* Adjustable Rate Mortgage
Buy a Home
Great rates are just the beginning!
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.
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.
Community Heroes
Mortgage Program
The Community Heroes Mortgage Program is CAP COM's way of saying "thank you" to those who dedicate their lives to our wellbeing. Receive $1,000+ in cash/discounts toward the purchase of your home. You're eligible if you are in the U.S. military (active-duty or veteran), or work in law enforcement, fire and rescue, healthcare, or education. Every mortgage we offer is included, featuring some of the best rates around! Click below to get started or call (800) 468-5500, ext. 3129 24/7.
Buy vs Rent
Let’s weigh your options together.
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.
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?
*While many Mortgages are serviced locally, there may be instances where this is not the case. Our Mortgage experts will provide specifics regarding the servicing of your particular loan.
Mortgage products are offered by our Mortgage Team, Homeowners Advantage (HOA), and are not NCUA insured. Homeowners Advantage is a subsidiary of CAP COM FCU. Mortgages in New York State only. Rates as of . 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.
Meet the Team
We're your home team advantage
Your mortgage team at Homeowners Advantage, a CAP COM subsidiary, makes you their top priority. From pre-qualification all the way through to your final loan payment, we’re here to be your guide. Your mortgage loan is even serviced locally* instead of by a financial conglomerate (a rarity these days). And, it’s easy to make payments any way you like, including at your local CAP COM branch, or by setting up automated payments for on-time peace of mind.