Home / Mortgages

Discover our fantastic mortgage programs and take advantage of our low rates!

NY TEAM FCU is here to help you achieve your dream of owning a home. Let us guide you towards success in this exciting endeavor.

At NY TEAM Federal Credit Union, we provide a diverse range of mortgage financing options in partnership with OwnersChoice Funding. Our team is dedicated to providing you with trustworthy advice and unparalleled service, whether you’re purchasing a new home or refinancing your current mortgage. With our mortgage program, you can enjoy a seamless online application process, competitive interest rates, and minimal closing costs. Plus, our experts are available to assist you throughout the entire process. We understand that finding a reliable lender for competitive mortgage financing can be daunting, which is why we encourage you to visit our office or call us at 516-822-1070.

Additionally, the links below the mortgage rates provide a convenient way to request more information. Let us help you achieve your homeownership goals with confidence!

Our Mortgage Program features:

  • A secure online application process
  • Expanded loan programs
  • Low interest rates and closing costs
  • Expert support and assistance throughout the entire process
  • Mortgages serviced through Owners Choice Funding
  • Loan Approvals done by your Friends at NY TEAM FCU

OwnersChoice Funding is a full-service mortgage corporation serving credit unions in the greater Northeast. With over 25 years of exclusive credit union mortgage experience, OwnersChoice Funding is a trusted partner for credit union mortgage lending.

Start the Process by continuing to Owner’s Choice website


Are you interested in comparing your options for a mortgage versus our home equity loan? We are excited to offer a fantastic home equity loan product. Let us tell you more about it! Learn more about our Home Equity Loan.


Explore our Membership Eligibility criteria!

Membership eligibility is offered to employees of The Long Island Rail Road Company, Metropolitan Transportation Authority (MTA), Staten Island Rapid Transit, Amtrak, Conrail, NJ Transit, Metro North, Aeroflex, Eagle Electric, This Week Publications, Visiting Nurses, NCC, NY TEAM Federal Credit Union, or White Rose. Furthermore, relatives by blood or marriage of current NY TEAM Federal Credit Union members may also be eligible for membership, regardless of their place of residence or employment. Living with a NY TEAM FCU member also qualifies you for membership. We strive to serve you and highly value your membership.