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At St. Lawrence FCU we offer a variety of mortgage loan options designed to meet the personal needs of our members.  We provide loans for residential home purchases, refinances and construction.

We look at each loan request individually and make our lending decision independently based on your situation.

We do not sell our loan servicing. This means that St. Lawrence FCU will service your loan locally and remain your point of contact until the loan is paid off.

Save time and money, let us pre-approve you for a mortgage before you begin shopping for your new home.

Fixed-Rate Mortgages

With a fixed-rate mortgage, your interest rate and monthly payment of principal and interest remain the same for the entire term of the loan.

Adjustable Rate Mortgages (ARMs)

An Adjustable Rate Mortgage (ARM) means the initial interest rate is fixed for an introductory period before adjusting annually. The rates for our 1 Year ARM, 5/1 ARM and 10/1 ARM are fixed for 1 year, 5 years and 10 years respectively then may adjust annually  for the remainder of the term, and may increase, based on a market index but can't go above the predetermined adjustment cap. Payments will be determined based on an index and a margin.

Private Mortgage Insurance

Having Private Mortgage Insurance helps with having a lower down payment.