Our ZeroDown Mortgage empowers homebuyers to secure a home without the burden of an upfront down payment.
Benefits of a Mortgage with The Summit
Flexible Options
Choose from a variety of mortgage types including fixed-rate, investment property loans, and low down payment options like ZeroDown and 3% down. We tailor solutions to fit your financial goals and support your homeownership journey.
Easy Application & Expert Support
Apply online in just 20 minutes and enjoy a smooth, stress-free experience with The Summit’s helpful tools like mortgage calculators and educational resources. Our process makes it easy to get started on your homeownership journey.
Personalized Guidance from Local Experts
Summit’s mortgage team offers hands-on, local support every step of the way. From understanding down payments to navigating offer letters, our team of experts are committed to helping our members make confident, informed decisions.
Our ZeroDown Mortgage makes it easier to get into a home, removing traditional financial barriers and providing a streamlined, supportive pathway to homeownership.
What you need to know
- No down payment required
- Loan terms of up to 30 years
- Sellers can cover up to 3% of closing costs
- Your credit score must be above 680
- Sellers can cover up to 3% of closing costs
- Must provide proof of funds covering two months of housing expenses
- First time homebuyers are eligible
Meet the Mortgage Team
Kim M. Campbell-Cino
Senior Mortgage Loan Originator
Office: (585) 453-7098
Cell Phone: (585) 615-1398
Fax: (585) 453-7216
Email: kcampbell@summitfcu.org
Rochester
Greece
Hilton
Buffalo
Clarence
Delaware/Hertel
Syracuse
Erie Blvd
Bruno Buttarazzi
Mortgage Loan Originator
Office: (585) 453-7225
Cell Phone: (585) 203-5446
Fax: (585) 453-7216
Email: bbuttarazzi@summitfcu.org
Rochester
Brighton
Henrietta
Main/Winton
Syracuse
Cortland / SUNY
Taft Road
Ebru Ekener-Le
Mortgage Loan Originator
Office: (585) 453-7037
Cell Phone: (585) 210-2375
Fax: (585) 453-7216
Email: eekenerle@summitfcu.org
Rochester
Penfield
Perinton
Irondequoit
Syracuse
Seneca Falls
You don’t need a down payment to become a homeowner
For more information about mortgage products, including refinancing, contact us at (585) 453-7010, or submit the form below. We are happy to assist you.
Membership eligibility required. Subject to credit approval. Must be 18 years of age or older to apply. 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. You must be a member of The Summit to apply. All terms and conditions may change at any time without prior notice. Mortgage loans are only available for owner-occupied 1-4 family properties located in New York State. The Summit Federal Credit Union, NMLS#: 454066.