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 Mortgages Specifically Designed with You in Mind
Whether you're a first-time home buyer, need a larger house to accommodate your growing family, or considering refinancing your current mortgage, we have the perfect financing solution for you. We make choosing the right mortgage easy with competitive rates, convenient repayment terms,
low fees and the convenience of payroll deduction. Let our Mortgage Professionals provide you with a no-cost mortgage consultation to get you started on the path to homeownership today.
Pre-Approval Program
If you already know your price range, there's no need to wait until you've found the right home.The Summit's Home Pre-Approval Program gives you peace of mind and can offer you significant negotiating power because the seller knows your mortgage is already approved. Plus, it can speed up the process so you can move into your home sooner than you think.
Mortgage Options
The Summit's Mortgage Professionals will make you feel right at home with fast, efficient processing and an affordable mortgage to fit your needs. Take advantage of our streamlined application process, including an online mortgage application, to make your application process even smoother. You can choose from a variety of programs to meet your needs, including fixed and adjustable rate mortgages, low or no downpayment mortgages, and low closing costs1 options that enable you to apply more of your downpayment to your loan. Plus, ask about mortgages for special needs, such as our construction program for new home purchases and finance options for second homes.
Rates
You'll enjoy competitive rates that are among the lowest in the area plus flexible terms that help you tailor payments to fit your budget. When you get a mortgage from The Summit, you can expect responsive, reliable and efficient local service before and after your mortgage papers are signed.
FREE Home Buying Seminars
We offer free Home Buying Seminars to help you get all the information you need in one place at one time. Our seminars cover every step in the process from downpayment to closing. Call us at (585) 453-7010 or (800) 836-7328 extension 7010 for details about our next seminar.
 Through our partnership with BALANCE, we also offer free online educational modules about the road to homeownership. Get a better understanding of the home buying process and make your dream home a reality! Learn more.  Refinancing
Our low mortgage rates can help you refinance your existing higher-interest mortgage resulting in monthly savings. You'll lower your payments each month which could save you thousands over the life of your loan. You may even be able to arrange for a shorter term to help you pay even less in interest.
Open the Door to Your Dream Home by following these simple steps:
- Pre-Qualify for your Summit mortgage.
- Choose the mortgage that meets your needs.
- Select the rate that's right for you.
- Apply for your Summit mortgage.
Move to the Premier Relationship Account Level
Members with Summit mortgages automatically qualify for the Premier Level of member benefits.
Contact The Mortgage Division at (585) 453-7010 or (800) 836-7328 extension 7010.
Use our mortgage calculator to determine how much your monthly payments will be.
View additional mortgage resources for reference.
This icon denotes a link to a third party site. Please click here to view The Summit FCU's Third Party Disclaimer.
The Summit FCU is an Equal Housing Lender. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. All mortgage programs at The Summit Federal Credit Union require credit and property approval, and you must be a Summit member to apply. Mortgage loans are only available for owner-occupied 1-4 family properties located in New York State.
1Closing costs may include, but are not limited to, a title search, mortgage tax, filing fees, abstract redate, flood certification fee, credit union attorney fee, and title insurance and are estimated to range from 3.0% - 5.0% of the amount borrowed.
Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
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