Visions Federal Credit Union

You are leaving the Visions Federal Credit Union web site. The privacy and security policies of the external link may differ from Visions Federal Credit Union. Visions Federal Credit Union does not own or control external links and is not responsible for the availability or accuracy of their content.

*APR = Annual Percentage Rate. Credit union membership required with a $25 minimum deposit. Promotion valid on the 15/15 Adjustable Rate Mortgage (ARM) product only. New purchase or refinance of non-Visions debt. One- to four-family, owner-occupied, primary residence only. Maximum mortgage dollar amount funded is based on region. Estimated savings of closing costs, which varies by geographic market and property, would be at least $3,370, including, but not limited to, the following costs: appraisal, flood determination, application fee, credit report, lender attorney fees, recording fee, title insurance, and mortgage tax. Borrowers are responsible for initial escrow setup, interim interest, owner’s title insurance, tax service fee, borrower’s attorney fees, survey, and private mortgage insurance, if applicable. Monthly payment would be $470.43 on a $100,000 mortgage at 3.875% APR with a 30-year term. Payment example does not include amounts for taxes and insurance premiums. Rates are for new applications only. This promotion is subject to change without notice (including the rate). Other restrictions apply. Rates are variable and can increase in the 16th year by no more than 2% points (5.875 per this example) and is based on the index at the adjustment time plus the margin. Cannot be combined with any other promotion or offer. Submit applications by Oct. 31, 2017.

Mortgages

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

Expect low rates, minimal down payments, no closing costs, and fair treatment from a member-owned and community-minded institution where you're a neighbor, not a number.

Our financial products, including the No problem Mortgage, 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.

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
  • No closing costs
  • Quick turnaround times

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.

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.

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 180,000 members in 45 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.


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.