Mortgages that get you home
Our team knows the local housing market, and we’re with you from pre-approval to closing. Whether it’s your first home loan, a refinance, or a conventional loan, we’ll guide you every step of the way.
Home loans made for you, neighbor
Discover competitive rates, personal guidance, and the confidence that comes from working with a local partner.
Fixed-Rate Mortgage
Predictable monthly payments and long-term peace of mind:
- Consistent payments
- Protection from rising interest rates
- Terms of 15, 20, or 30 years for your financial goals
Adjustable-Rate Mortgage
For members planning to move or refinance in a few years:
- Lower initial interest rate
- Ideal for short-term homeowners or refinancing
- Local guidance to help you weigh your options
VA Mortgage
We’re proud to serve those who have served:
- No down payment required
- Flexible credit guidelines
- Limits on closing costs
“My wife and I had the pleasure of coming in to PCU for a home equity loan and working with Ms. Ellen Brooks. We couldn’t be happier!!!! If there was an opportunity to leave a 10-star review, we would!!”
- Shabsai U
- Palisades CU Member
First-time home buyer loan
We help you unlock the dream with a simplified process, personalized guidance, and a loan that fits your budget goals.
- Open and clear communication throughout the loan process
- Personalized solutions that work for your situation and plans
- Insightful guidance that keeps you informed and confident
Mortgage refinancing
Let’s talk about lowering your monthly payment, locking in a fixed rate, or tapping into your home’s equity. We’re here to guide you every step of the way.
- Lock in a potentially lower rate than your current mortgage
- Switch from an adjustable-rate to a fixed-rate mortgage
- Access your home equity with a cash-out refinance
Neighborly home loan guidance
With local knowledge and relationships, diverse loan options, and a streamlined process, we get you in the door sooner.
Personalized direction to suit your needs
Regional market expertise and insights
Competitive rates and flexible terms
Fast, friendly support the entire way
Lending guidance and resources
From budgeting tips to credit-building advice, we’re here to help you make smart financial decisions with confidence.
See what homeownership could look like
Estimate your monthly payment and explore what fits your budget before you start house hunting.
Mortgage FAQs
Common questions about mortgages.
How do I know which mortgage option is right for me?
Our team is here to guide you. We’ll help you explore your options—whether it’s a fixed-rate, adjustable-rate, or VA mortgage—and find the solution that fits your budget, timeline, and long-term goals.
What do I need to apply for a mortgage?
You’ll typically need proof of income, employment history, credit information, and details about the home you want to buy. But don’t worry—our mortgage specialists will walk you through every step and answer all your questions.
How long does the mortgage process take?
Every situation is unique, but most mortgages close within 30 to 45 days. We’ll keep you updated throughout the process and make sure you have all the support you need to move forward with confidence.
Does Palisades Credit Union offer home equity loans?
Yes! We offer both Home Equity Loans and Home Equity Lines of Credit (HELOCs) to help you tap into your home’s value for renovations, major expenses, or debt consolidation. Learn more on our Home Equity page.
Can I get pre-approved for a mortgage with Palisades?
Absolutely. Getting pre-approved helps you understand your budget and strengthens your offer when house hunting. Our team makes the process quick, easy, and personalized to your needs.
Related products
We’re in your corner
Smarter accounts, real rewards, and the convenient tools you rely on. Get it all from a local credit union rooted in New York and New Jersey.
