Home financing with Nassau Financial
Buying a home in Nassau County, Suffolk County, or elsewhere in New York State? Explore mortgage options with Nassau Financial Federal Credit Union, including fixed-rate loans with predictable principal and interest payments.
Whether you're purchasing your first home or planning your next move, our team can help you understand your options and take the next step.
Compare 30-year, 20-year and 15-year fixed-rate mortgages. With a fixed-rate mortgage, your interest rate stays the same throughout the loan term, helping you plan your monthly principal and interest payment.
Current rate
6.750%
Term: 30 years
Interest type: Fixed
A longer repayment term may offer lower monthly principal and interest payments than shorter terms on the same loan amount, depending on the rate.
Current rate
6.625%
Term: 20 years
Interest type: Fixed
A middle-ground option for borrowers seeking a shorter payoff timeline than a 30-year mortgage.
Current rate
6.500%
Term: 15 years
Interest type: Fixed
Pay off your mortgage sooner, typically with a higher monthly principal and interest payment than a longer term at the same loan amount.
Displayed rates are interest rates, not necessarily APRs. Rates may change and are subject to eligibility, underwriting and other terms. Review current mortgage rates and applicable details.
Choose a rate that stays the same for the life of your loan. A fixed-rate mortgage can be helpful if you value consistent principal and interest payments and expect to stay in your home for years.
An adjustable-rate mortgage (ARM) may start with a fixed-rate period and then adjust based on the loan's terms. Ask our mortgage team about available ARM options, pricing and potential payment changes.
Buying a home is a major financial decision. We're here to help you compare your options and understand the financing process.
Tell us where you are in the homebuying process and what you're looking for.
Discuss available loan terms, rates and documentation requirements.
When you're ready, work with our team on the application and next steps.
Yes. Nassau Financial offers mortgage financing for eligible owner-occupied primary residences in New York State, including Nassau and Suffolk counties. All loans are subject to approval and program requirements.
Both keep the interest rate fixed for the loan term. A 15-year mortgage generally pays off faster, while a 30-year term spreads payments over a longer period. The monthly payment and total interest cost depend on the amount borrowed and interest rate.
Nassau Financial lists a 60-day rate-lock option without a separate rate-lock fee. Rates and points may be locked only after a completed loan application is received, and other conditions may apply. Ask our team to confirm availability and current terms.
No. Co-op properties are not eligible under the mortgage program described on this page.
No. The interest rate is the cost of borrowing expressed as a percentage. The Annual Percentage Rate (APR) is a broader measure that incorporates certain loan costs and may be higher than the interest rate. Ask for the applicable APR and Loan Estimate when comparing offers.
Use our mortgage consultation form to connect with Nassau Financial about your financing needs.
Connect with Nassau Financial to explore mortgage options and discuss your home financing goals.
Request Your Free ConsultationMortgage disclosure: APR = Annual Percentage Rate. APR is based on a conventional loan assuming the highest credit rating. Rates are subject to change without notice. Loans are for owner-occupied primary residences in New York State only. Co-ops are not eligible. Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or different terms. Final rate depends upon several factors, including but not limited to, your credit history and the loan-to-value ratio. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or points if you are approved for the loan. Rates and points can be locked only after your completed loan application is received.
Confirm all product information, advertised rates, APRs and any required disclosures with the mortgage and compliance teams before publishing.
