As your mortgage partner, we'll make the home loan process a smooth experience. Our mortgage experts will help you choose the best options and get the best price for you. Tri Boro offers several different home mortgages to suit your individual needs. Whether purchasing a new home or using the equity in your present home, we have a loan for you.
Your Home Loan Toolkit, a step-by-step guide
Tri Boro FCU offers mortgages for the purchase of your new home for terms of up to 30 years. We can finance up to 95% of either the appraised value or the sales price, whichever is lower.
Please call or email the Real Estate Lending Department for more information.
First Time Home Buyers Program
Don’t be an anonymous loan number! Here at Tri Boro, we work with you personally and want to know your story. Our loan department won’t let you sell yourself short by approving a loan you can’t afford. We will help you determine what you can actually afford, without having to change your lifestyle, so you can accomplish your home ownership goals!
Tri Boro FCU offers down payments as low as 3% with no hidden fees or broker fees! Have a down payment less than 20%? We may even be able to waive your PMI (Private Mortgage Insurance)!
To qualify for our First Time Home Buyers Program, you must not own or have owned property in the past (including as a co-borrower) and have a minimum credit score of 680.
Rates & Terms
|Effective Date: 10/16/2023|
|Financing up to 95% LTV|
|Duration||Rates as low as||APR*|
|10 Years||6.500% + 0 points||7.164%|
|15 Years||6.500% + 0 points||6.972%|
|20 Years||6.750% + 0 points||7.131%|
|30 Years||7.000% + 0 points||7.295%|
*APR - Annual Percentage Rate
First time Home Buyer base rate 30 year 7.125%, APR 7.423%.
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