Visions Federal Credit Union

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Visions Federal Credit Union

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First home or new house, get the terms you deserve at Visions.

Expect low rates, minimal down payments, and fair treatment from a member-owned and community-minded institution where you're a neighbor, not a number.

Our financial products take the hassle out of home loans. We promise to give you lots of options and quick turnaround with closings in 30 business days or less.

Home buying is one of life's biggest decisions. You wouldn't settle for a house you don't want. So don't settle on your mortgage. Apply now and let Visions find the right home loan for you.

Introducing our

Other adjustable rate mortgages change rates each year after the introductory term. The Sweet 15 adjusts only once and saves you money now.

Sweet 15
Mortgages for every stage

Mortgages for Every Stage of Home Ownership

Whether you are looking to move from your current house, looking to build a new house, or want to buy your first home, we have a wide selection of mortgage options for you. Buying a home and finding the right mortgage for you is a big decision.

  • Attractive interest rates
  • Low down payments
  • Quick turnaround times
  • No junk fees

Whatever you're looking for, Visions is here to help you through the home buying process with the options, resources, and friendly mortgage experts to get you the right mortgage for your next home.

Mortgages for every stage

What do you want from
your mortgage?

You want to find the home that will make you happy, and you want the mortgage that suits your needs.

  • Are you looking for a more affordable mortgage payment?
  • Are you looking for a way to pay off your home faster?
  • Do you need flexible options to work with you situation?
  • Do you need to move into a new house pretty quickly?

Whatever your needs may be, Visions has a mortgage for you.

What are my mortgage payment options?

Affordable Mortgage Options

Affordable Mortgage Options

We offer affordable mortgage options to suit your financial goals. Shooting for a lower payment? Don't want big closing costs? Looking for lower down payments? Check out these options.

Fixed-Rate Mortgages

Fixed-Rate Mortgages

Visions has a selection of fixed rate mortgages from 10-year fixed up to 30-year fixed mortgages. Browse our fixed rate mortgages and interest rates.

Adjustable-Rate Mortgages

Adjustable-Rate Mortgages

We feature a variety of adjustable rate mortgages for your unique financial circumstances. Enjoy the benefits these adjustable rate mortgages provide when matched to your goals and financial objectives.

Mortgage Products and Resources

Home Buying Process

Home Buying Process

No matter what stage of life you find yourself, getting a new house is a big change. It's good to understand the steps and have a plan. That's why we created a this step-by-step guide to help you through your journey to your new home.

First Time Home Buyers

First Time Home Buyers

If you rent a house, but always wanted to own a home, Visions can help you achieve that dream. Every person you meet at Visions to get advice or to help with decisions is your future neighbor. And we want to welcome you with the best mortgage program you can get.

Mortgage Resources

Mortgage Resources

We want everyone to find the right mortgage. To help we have a bunch of resources to give you the information and help you need. Browse our mortgage resources. If you don't see what you need, drop us a line.

Current Homeowners

Current Homeowners

Once you've purchased a home, you need to maintain it and you want to get the most out of your investment. Visions offers many home-related financial products that can help you lower your payment, get some extra cash, or make improvements.

Specialty Mortgages

Specialty Mortgages

Visions offers mortgages with you in mind, including these situation-specific loans.

Mortgages in New York, New Jersey, and Pennsylvania

Every single day, Visions works with people just like you to get in that new home. We serve over 190,000 members in 46 locations in New York, New Jersey, and Pennsylvania. We understand your mortgage needs because we live and work in your community.

Helpful Mortgage Articles

What Affects Mortgage Interest Rates When You Buy a Home?

Once people decide they'd like to buy a home, they want to know what interest rate they can expect from a mortgage. After all, buying a home is an important decision and the interest rate is a big factor that determines what the payments will be.

Buying a House? Handy Tips for Mortgages and Home Buying.

You want to buy a house. Great! But there's a lot to buying a new home. It's a big change that affects your life in several ways. That said, you want to make buying your new home the best experience possible now and in the long run.

Mortgages and Your Credit

How does my credit score affect my mortgage? When it comes to mortgages and your credit, there are a few main considerations.

Should I get a 15 year or 30-year mortgage?

One of the common questions people have regarding mortgages is whether a 15 year or 30 year mortgage is better? Like many financial decisions, the right answer depends on your personal financial circumstances, objectives, and concerns. All of these are factors in deciding on a 15 or 30 year mortgage.

What Every First-Time Homebuyer Should Know

If you are a first-time homebuyer, now is a great time to consider buying a house.

Six Steps to Your New Home (The Seventh Is Through the Front Door)

Whether you're a first-time homebuyer or seasoned homeowner, purchasing a new place to live can be an exciting time. It can also be a little stressful.

Low Mortgage Rates Lure Younger Homebuyers

It seems more and more young professionals and newlyweds are becoming first-time homebuyers earlier in life. It's a good trend considering homeownership offers many advantages over renting.

Renters Can Do Better When They Go 'Home'

If you're still renting and have been for years, now might be the time to reconsider. Today's low interest rates could put your house payment on par with that rent check and you'll find you get much more in return.

Over 50 Years of Experience Helping People with Their Financial Dreams

Everyone has financial dreams and goals. Since 1966, Visions has been serving its members in support of their financial dreams. We're here to help people at every stage of life with their financial goals and challenges. From personal loans, youth savings programs, investment services, to mortgages, you can find what you need to help you along the road to your financial dreams.

Why a Mortgage with Visions?

For starters, you might save a little money. Credit Unions like Visions have a reputation of having attractive mortgage deals. If you aren't sure if there is a mortgage deal for you, just ask.

Plus, when you get a mortgage with Visions is that you're a neighbor, not a number. It's nice to know that you can stop by, call or login to get the service you need from real people. When you deal with real people, we can often work with people to find a mortgage that will suit your financial needs and circumstances.

Apply In-person or Use our Simple Online Mortgage Application?

Visions wants to provide a great mortgage experience. To make your application process simple, easy, and secure we offer both in-person and online mortgage application.