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Real Estate Loans

We take confusion out of a mortgage application.

Our experienced staff can quickly and effectively guide you to the right mortgage with the right terms.

  • Conventional Loans: Multiple terms with both Fixed and Adjustable Rate Loans.
  • First Time Home Buyer: We offer first time buyer programs with just 10% down and no PMI for qualified borrowers.
  • Home Equity Line of Credit: If you need the flexibility of access to funds for expenses now and in the future, a home equity line of credit could be the right option for you. Borrow up to 80% of the value of your home, including first mortgage1. Maximum draw period is 10 Years and with Interest only during the first 10 years. Refundable Application Fees2 and very low closing costs. 
  • Member Business Loans: Loans for residential buildings up to 50 units and non-owner occupied residences, and Commercial Real Estate.
1Member may be responsible for Appraisal Costs.
2The application and appraisal fee will be refunded if a member qualifies for the loan and accepts the proceeds of the loan. If a member does not qualify or does not accept the proceeds of the loan the application fee will be forfeited. In Addition to the foregoing charges and fees, member must pay all mortgage tax fees with this loan. All other fees associated with this loan will be paid by the Credit Union.

Starting to look around for a new home? Get pre-qualified first.

Pre-qualifying at SUMA FCU is quick and easy process, click the button below to start your pre-qualification now. 

Ready to apply for a Mortgage or Home Equity Line of Credit? 

For SUMA FCU members: please log in to your SUMA FCU Digital banking to submit a HELOC or Mortgage application. If you do not have access to SUMA FCU Digital banking or for more information, please fill out the form below or call/text the loan department at 914 220 4900


For non-members: please see our Membership Requirements.
With any questions related, please contact our member services department at 914-220-4900 

Not a SUMA FCU Member yet?

Apply NOW 

Note: you will need the name and contact information of your Sponsor (Existing SUMA FCU Member).
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