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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. Our Home Buying Guide is a comprehensive resource to help you prepare you for the home buying process.

We offer a variety of home loans, including:

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


  • Zero Down Mortgages with up to 100% financing for qualified buyers for the purchase of single family homes (NEW!)
  • Private Mortgage Insurance with Up to 97% financing for qualified buyers for the purchase of single family homes
  • Up to 90% cash out for refinances*
  • Up to 90% financing on double wides*

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. 

For more information on all of our Mortgage options, call us at 518-825-0323 to speak with one of our home loan specialists! 

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
Ashton Cortright: 1599691

Dannemora Federal Credit Union: 433184

For more information regarding the National Mortgage Licensing System, please visit: www.nmlsconsumeraccess.org

*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.