Mortgage & Home Equity

Mortgages and Mortgage Rates

Applying for a mortgage online is as easy as 1-2-3.

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Check today’s mortgage rates and get your own quick estimate. Then apply online in as little as 20 minutes. No matter where you are in your homebuying journey, we’re here to guide you through the process.

Calculate Your Payment

The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.

Access Your Equity

Mortgage Options

no closing costs

No Closing Costs Option

For a slight difference in the mortgage interest rate, we will pay the typical closing costs associated with the new mortgage including the appraisal, credit report fee, attorney fee, title insurance, mortgage tax and recording fees.1

calculating the down payment

3% Down Payment Mortgage Option

This is a great option for homebuyers who are interested in making a lower payment. Speak to a Mortgage Originator for details.

Fixed Rate Mortgages

We offer 10, 15, 20, and 30 year terms for both primary and secondary residences.

2 for 1 mortgage & home equity

Investment Properties (1-4 Family)

Our Investment Property Mortgage Loans allow homebuyers to expand their real estate portfolio with competitive rates designed for income producing properties.

80/10/10 and 80/15/5 mortgages

80/10/10 or 80/15/5 Mortgages

With an 80/10/10 or 80/15/5 mortgage, homebuyers secure a standard loan for 80% of the purchase price, contribute 5% or 10% as a down payment, and finance the remaining 10% or 15% through a separate second mortgage. This option helps buyers avoid Private Mortgage Insurance (PMI), potentially lowering their monthly mortgage payments.

ZeroDown Mortgage

Our ZeroDown Mortgage empowers homebuyers, especially those purchasing for the first time, to secure a home without the burden of an upfront down payment. This innovative product removes traditional financial barriers and provides a streamlined, supportive pathway to homeownership.

“2 for 1” Mortgage & Home Equity Combo

By opening both a Summit mortgage and a Summit home equity loan, buyers receive a special preferred home equity rate with no closing costs.2

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

Apply Now

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

Apply Now

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

Apply Now

Rochester
Penfield
Perinton
Irondequoit

Syracuse
Seneca Falls

Refinancing

Refinance with Cash-Out

A “Cash-Out Refinance” occurs when the amount of the new mortgage exceeds the amount needed to repay the first mortgage and associated costs. The borrower can choose to use the additional cash for a different purpose.

Streamline Refinance

If you have an existing Summit first mortgage, you may be eligible to streamline refinance to a new, lower rate mortgage with reduced closing costs. Certain restrictions apply so please contact us for more information.

Destination Summit:

Owning Your First Home

If you’re a first-time homebuyer or just need a refresher on the ins-and-outs of home purchasing, this is the place for you. We’ll break down every part of the process, provide helpful tips, and connect you with information to help your home dreams come true. 

Credit Ratings, Pre-Approvals and Offer Letters: Three Pieces of Your Home buying Puzzle

In your new homebuying journey, when you have found “the one,” there’s a three-piece puzzle to put together. The pieces are: a solid credit rating, preapproval for a mortgage loan, and an offer letter to officially bid on the home. Credit Report When considering you for a home mortgage loan, financial institutions will run a […]
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Learn Common Home Buying Terminology

Reduce confusion when buying a home with some common terminology Buying a home involves many people working toward the same goal: to get you into your new home. These people will use lingo that you may not be familiar with, so take a look at this quick guide to homebuying lingo that can help you […]
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5 Mistakes All First-Time Homebuyers Should Avoid

Every new homebuyer runs into questions and challenges that are hard to predict as they move through this first experience. Check out some of the most common mistakes that first-time homebuyers run into, and how to avoid the same situations in your homebuying journey. Buying more house than you can afford This one may seem […]
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Need More Information?

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.

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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.

1. Buyer must keep mortgage for three years from the anniversary date of the mortgage recording to avoid repayment of the closing costs. If buyer pays off the loan prior to the third anniversary date of the mortgage recording, buyer must reimburse The Summit the costs of the fees it paid on the buyer’s behalf.

2. Closing costs may include, but are not limited to, a title search, abstract redate, mortgage tax, filing fees, flood certification fee, Credit Union attorney fee, and title insurance and are estimated to range from 3.0% to 5.0% of the amount borrowed.

Find a Mortgage Loan Originator

*Rate shown in effect 3/1/26 through 5/31/26. Home Equity Fixed Loan (HELOAN) is a fixed home secured loan with a term of 5 years at 5.45% Annual Percentage Rate (APR) when The Summit pays closing costs. For example: a HELOAN of $10,000 for 5 years at 5.45% APR will have a monthly payment of $190.78 Loans subject to credit approval. Certain limitations may apply. Closing costs (when applicable) include a title search, mortgage tax, filing fees, flood certification fee, and title insurance and are estimated to range from $495 to $1,500 (usually 3.0% to 5.0% of the amount borrowed). Property insurance required. If you opt not to pay the closing costs associated with your HELOAN, you must reimburse us for all costs we paid to third parties to open your HELOAN unless you keep account open for at least 3 years from the HELOAN open date.