Get your dream home with comfortable financing

Get a mortgage that makes you smile.

We’ll walk you through the home buying or home refinancing process, help you figure out how much house you can afford, and as always, make sure you get a low monthly payment.


Locally serviced, fixed-rate mortgages

Consultation Request

Talk with us.

It’s the surest way to get your questions answered—and get the mortgage that fits your life. Simply fill out the form below and we’ll get back to you within 24 hours. (Or, if you’re ready, you can apply online now.)

Check your rate

Simply fill out the information on the page and get a rate quote based on the information you give.

Please note: When using our calculators, your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. 

Apply Now

Make your move

Through our partners at OwnersChoice, we can give you a decision within minutes—and even pre-approve you so you have an instant, accurate picture of your financing option.

To begin the application process, click here. If you are not a member of CRFCU, click here to apply.

Our mortgage calculators make math easy.

How much mortgage can I afford? Should I rent or own? How much will my monthly payment be? Use our mortgage payment calculators to get answers to these questions.
Find out how much mortgage you can afford
Calculate your monthly mortgage payment
Compare the costs of renting vs. buying

Please note: When using our calculators, your rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.

Learn about our affordable home equity loans.

Do you already own a home and need a loan? Learn how you can use the equity you have in your house to borrow for home improvements and large purchases through a home equity line of credit or loan.
Learn more about home equity loans 

**APR= Annual Percentage Rate. Fixed rates will be subject to change daily. Minimum score to qualify 675, 80% LTV maximum, owner occupied, DTI 43% max. ***The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $135,000 and an estimated property value of $225,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740 or above. At a 3.875% interest rate, the APR for this loan type is 3.969%. The monthly payment schedule would be: 239 payments of $809.21 at an interest rate of 3.875% 1 payment of $808.89 at an interest rate of 3.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Owners Choice NMLS Identifier: 56538