First Mortgage Through OwnersChoice Funding

The KTFCU has joined with other credit unions in the Northeast to provide the best possible first mortgage rates and services for you. OwnersChoice Funding is owned and operated by New York Credit Union Association (NYCUA). OwnersChoice Funding serves our credit union by originating, processing, closing and servicing member mortgages. Our partnership with them allows us to offer an extensive product menu that will best fit your needs.

We chose OwnersChoice Funding based on their competitive rates, flexibility (10 to 30-year mortgages), ability to finance first mortgages for purchases, refinances or second home first mortgages. OwnersChoice Funding will loan up to 80% of market value, offer low down-payment programs and have affordable closing costs.

CLICK HERE for the latest first mortgage rate

Click the APPLY FOR A LOAN and follow the prompts. When selecting First Mortgage, you will be directed to the OwnersChoice Funding website where you will apply directly with OwnersChoice Funding.

Benefits of Having a First Mortgage via OwnersChoice Funding.

• OwnersChoice Funding is owned and operated by New York Credit Union Association (NYCUA).
• KTFCU and other credit unions in the Northeast have partnered with OwnersChoice Funding.
• Adjustable rate, fixed rate, FHA, USDA and VA loans available.
• Competitive rates, 10-year to 30-year term, low down-payment options and up to 80% market value loans available.
• First mortgages (purchase or refinance) and second home loans with affordable closing costs.
• Pre-approval is available to facilitate your home hunting process.
• To apply, click on the APPLY FOR A MORTGAGE button.
• Mortgage payments can be made from your Share or Share Draft account.