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* Adjustable Rate Mortgage

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.


Community Heroes

Mortgage Program

Community Heroes

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.

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?


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.

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.
* 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. 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.
1. The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 2%. No closing costs on home equity lines of credits (HELOCs) up to $250,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.
Mortgages in New York State only. All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Other rates are available and subject to change without notice.
CAP COM FCU NMLS Identifier: 401261.