Purchasing a home is one of the biggest decisions that you may ever make. Dannemora Federal Credit Union has the expertise and knowledge to help guide you through this exciting time, whether it is your first home or last one.

We offer a variety of home loans, including:

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages (ARM)
  • Land Loans
  • Construction Loans
  • Refinancing

All mortgages with Dannemora Federal Credit Union are originated and processed in house at the credit union. Post closing, we currently keep all mortgages in house and provide all servicing so you can be assured that you will be working with us from beginning to end.

Get a $200 Curtis Lumber Gift Card with your mortgage closing. See details below!*

We are now offering Private Mortgage Insurance (PMI) meaning we can now finance:

-Up to 97% for qualified buyers for the purchase of single family homes*

-Up to 90% cash out for refinances* 

-Up to 90% financing on double wides*

For more information on all of our Mortgage options, contact Brittany Joy at 518-825-0323 ext. 2204, Eva Provost at ext. 3105 or Heather Rancour at ext. 2210.

When thinking about purchasing a home, it may be helpful to ask yourself these questions to help decide if you are ready to purchase a home:

  • Do I have a steady source of income?
  • Have I been employed on a regular basis for 2 - 3 years?
  • Is my income reliable?
  • Do I have a credit history?
  • Am I able to pay my bills and other debts?
  • Can I afford to maintain the home?
  • Can I afford the annual property taxes and insurance?




Dannemora Federal Credit Union, and its mortgage loan originators, are registered under the national Mortgage Licensing System (NMLS).

NMLS identification numbers are listed below:

Brittany Joy: 960659
Heather Rancour: 1079599
Eva Provost: 451152
Tammy Duquette: 941069

Dannemora Federal Credit Union: 433184

For more information regarding the National Mortgage Licensing System, please visit:

*Rates can vary based on risk factors which include but are not limited to LTV, credit score, and debt to income ratio. Loan approval, interest rate, and down payment required based on creditworthiness, amount financed, and ability to repay. Loans with a down payment less than 20% require private mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Fees may be assessed, as applicable. Rates, terms, and conditions are subject to change. Index used is Prime Rate as published in the Wall Street Journal. Rates and Terms subject to change without notice. All loans subject to credit approval. Actual APR and maximum loan-to-value are determined based on the applicant's credit score and other criteria.

**Offer valid on Mortgage Loan applications for purchases, refinances, and construction loans only between 4/15/18 and 6/30/18 that close by 9/30/18. Minimum loan amount of $50,000, new money only. DFCU refinances must include an additional $50,000 of new money. $200 Curtis Lumber gift card will be presented at closing. 1099 MISC may apply if rewards/income paid in one calendar year exceed $600.