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Fixed Mortgage Rates
Rates as of: 04/26/2024Meet 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
Brighton
Main/Winton
Buffalo
Clarence
Delaware/Hertel
Syracuse
Erie Blvd
Cortland / SUNY
Taft Road
Seneca Falls
Ebru Ekener-Le
Mortgage Loan Originator
Office: (585) 453-7037
Cell Phone: (585) 210-2375
Fax: (585) 453-7216
Email: eekenerle@summitfcu.org
Rochester
Henrietta
Penfield
Perinton
Irondequoit
Mortgage Options
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
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 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
80/10/10 or 80/15/5 Mortgages
With an 80/10/10 or 80/15/5, buyers get a standard mortgage for 80% of the purchase price, put 5% or 10% down, and borrow the remaining 10% or 15% in a separate second mortgage. This option let’s buyers avoid Private Mortgage Insurance (PMI), possibly reducing their monthly mortgage payment.
One-Year Adjustable Rate (ARM) Mortgages
The initial rate on this mortgage is fixed for a one-year period. The rate is adjusted annually thereafter on the loan’s anniversary date.
Need More Information?
For more information about mortgage products, including refinancing, contact us at (585) 453-7010 or (800) 836-7328 extension 7010, or submit the form below. We are happy to assist you.
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 Summit member to apply. All terms and conditions may change at anytime 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.
*A first-time homebuyer is defined as an individual who has not owned a home during the 3-year period prior to the purchase of the new home. Members must meet qualification requirements and be a first-time home buyer. HDP funds are distributed on a first come first serve basis. There is no guarantee that funds will be available when your Reservation Request is submitted. The grant is administered through Federal Home Loan Bank of NY program and subject to their approval.
1 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.
2 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.