We offer mortgages on 1-4 family homes, COOPs and condos. Whether you’ve buying or refinancing  your home New York University Federal Credit Union has a full range of loans to fit your needs. The same rates apply on the purchase of a new home and on the refinance of an existing mortgage. Minimum mortgage amount $50,000 and Maximum mortgage amount is $3,000,000. 

We offer FREE Pre-Approvals*. Get Pre-approved Before You Shop. Shop with confidence by knowing what you can afford right from the start. Our pre-approval process lets you know your maximum loan limit. 

Mortgages Offered in All 50 States — 5% Down Payment is Allowed (Up to 95% financing with PMI)

If you are interested in our mortgage products and have any questions, please call 212-995-3166 or email .

  *NYU FCU share account is required for all NYU FCU services. But don't worry, joining is easy!

Disclaimer: Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of mortgage loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website,, and enter your zip code. You can also access HUD’s housing counseling agency website via For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).


FIXED Rate Loan AND VARIABLE rate Line of Credit OPTIONS AVAILABle - up to 10% - 80/10/10

Bridging the gap between your savings for home purchases and making that purchase a reality has never been easier. Apply for a Down Payment Assistance Loan today. You must have saved at least 10% of the purchase price to take advantage of this program.

Primary Residence Only, Minimum- $15,000, Maximum - $100,000

For Fixed Rate the available repayment period is 5, 10, 15 or 20 years. Fixed Rate is determine by term. Up to 10 Year - 4.875%, 15 Year- 5.00%, 20 Year- 5.625%

For Variable Rate Line of Credit- Term 30 Years. Rate is (Prime Rate Plus 0.50%.)

With loans Greater than $50,000 — Closing costs are applicable, member pay for recording fees, transfer taxes and attorney closing fee.

To learn more regarding this program, please contact or 212-995-3166


Real Estate and Relocation Assistance and Benefits

The Realty Rewards Program is a FREE, multi-faceted service that offers assistance with buying, selling and financing real estate as well as relocation and rental services and resources. This unique program will save you time and money By signing up and using one of our recommended agents, you can earn up to $2,400 cash back* on the sale or purchase of your home (US only).

Visit the Realty Rewards website and/or contact us to learn more!

You may be eligible to receive up to $4,800 if you buy and sell a home when registered with the UNFCU Realty Rewards program.  Cash-back is offered on each transaction, based on the sale and/or purchase price of the home.  The maximum rebate amount per transaction is $2,400 for property prices in excess of $950,001.  Rebate amounts per transaction range from $175 to $2,400 depending on property price.  Cash-back not available by law in some states.  You must be represented by the assigned real estate agent at the closing of each transaction to qualify for a cash-back rebate.  All real estate commissions are negotiable.  Contact Realty Rewards Program for terms and conditions and to confirm eligibility for program.  Consult your tax advisor with respect to the correct tax treatment of any cash back you receive.  The cash-back bonus is offered in most states. In some states, a gift card or commission credit at closing may be provided in lieu of the cash-back bonus.  The program is not available in Iowa or outside U.S. Cash-back bonus is not available in Alaska, Louisiana, Mississippi, and Oklahoma.  In Kansas and Tennessee, a gift card will be issued that is accepted at specific retailers. State regulations in Kansas limit the dollar amounts and the type of incentive. In New Jersey and Oregon, a commission reduction may be available at closing. Please check with the program coordinator for details.  This is not a solicitation if you are already represented by a real estate broker.  Other terms and conditions may apply.