Mortgages
Whether you're buying your first home or refinancing your current one, we’re here to help you every step of the way.
Getting started is simple—start your application, request more information online, or call us at 585-352-6890 to connect with a mortgage specialist who will walk you through the process.
You can also check current rates and explore loan options and calculators.
At Spencerport Federal Credit Union, you’ll find straightforward guidance, helpful tools, and a team you can trust.
Homebuying & Mortgage Options
First-Time Homebuyers
Buying your first home is a big step—we’re here to make it easier, from understanding your budget to getting pre-qualified.
Learn more about buying your first home
Buying a Home
Whether you're upsizing, downsizing, or relocating, explore mortgage options and tools to help you plan your next move.
Explore the homebuying process
Refinancing
Refinancing may help lower your payment or save you money over time. We’ll help you review your options.
Learn about refinancing options
Loan Programs
We offer a range of options, including:
- Fixed-rate mortgages
- Adjustable-rate mortgages (ARMs)
- Portfolio loanoptions
Pre-Qualify & Calculators
Use our calculators to estimate payments and explore affordability, or get pre-qualified to see where you stand.
Try our mortgage tools and calculators
Contact Us
Ready to get started?
Apply today to begin your mortgage application online.
Or call 585-352-6890, stop by our office, or request more information online.
All loans subject to approval. Equal Housing Lender. NMLS #409714