ESL Federal Credit Union has about 20 branches in upstate New York that offer deposit accounts, credit cards, insurance, and investment products. It originates consumer loans and mortgages, including automobile, boat, and home improvement loans.

Free Mortgage Quotes. Quick & Easy. No Credit Check, No Obligation.

No closing costs and up to 95% financing.

No Closing Cost mortgages are ideally suited for: First-time homebuyers short of cash, Move-up buyers with little equity in their current house, Buyers who want extra cash, Homeowners refinancing to lower their rate and capture immediate savings.

You can select from a 3/1 or 5/1 year ARM2 program OR our Fixed-Rate 30, 20, 15-year or 7-year balloon on both conventional and jumbo mortgages.

Fixed-rate mortgages are ideal for those who want a fixed monthly payment for the life of their mortgage and who plan to stay in their home for a long period of time.

Adjustable-rate mortgages1 are for homeowners who want to start with the lowest possible rate or who plan to move or refinance in a few years.

The 7-year balloon mortgage is for those who relocate regularly or who plan to stay in their home for less than seven years. Payments are based on a 30-year repayment schedule. The borrower must pay off or refinance the mortgage at the end of the seventh year.

ESL Affordable Mortgage Solutions are available for purchase and no cash-out refinance mortgages on properties located within New York State only.

For New Construction Loans - with 20% down, you can choose from two programs - the one-step or two step program.

The jumbo loan is for larger loan amounts starting at $417,000.

Specific Loan Programs:

No-Down Mortgage Loan Program

• No down payment required for qualified borrowers.
• Ideal for first-time homebuyers, move-up borrowers, retirees, and low to moderate-income borrowers.
• Features Home Possible 100 Mortgage along with other ESL no-down mortgage options.

• A small down payment required for qualified borrowers.
• Ideal for first-time homebuyers, move-up borrowers, retirees, and low to moderate-income borrowers.
• Features Home Possible®97 Mortgage1 along with other ESL no-down mortgage options.

• Exclusively for certified Educators, Firefighters, Law Enforcement Officers, Licensed Healthcare workers, and Military Personnel.
• Features Home Possible Neighborhood Solutions 100 Mortgage and 97 Mortgage.
• No down payment and low down payment options.
• Flexible credit and qualifying guidelines
• Income limits may apply

ESL Federal is located in New York

New York:
Brockport - 6670 Fourth Section Rd map
Chili - 3169 Chili Avenue map
Greece - 3508 Mount Read Boulevard map
Penfield - 2059 Fairport/Nine Mile Point Road map
Rochester - 100 Canal View Blvd map
Rochester - 745 Long Pond Rd map
Rochester - 215 Merchants Road map
Rochester - 2480 Ridgeway Avenue map
Rochester - 2255 East Ridge Road map
Rochester - 518 East Ridge Road map
Rochester - 200 Ridge Rd W map
Rochester - 377 State Street map
Rochester - 1999 Lake Avenue map
Rochester - 2400 Mt. Read Blvd map
Rochester - 230 Wallace Way map
Rochester - 300 Weiland Rd map
Victor - 200 Cobblestone Court Drive map
Webster - 1055 Ridge Road map

Find other credit unions in New York

Disclaimer: We are not affiliated with ESL Federal Credit Union. This is a financial resource site that offers reviews of other financial companies sites and services. Our goal is to help empower the consumer so they can make the best, informed choices related to their financial decisions.

Credit Unions Online - Resources - About Us - Sitemap - Last Updated April 16, 2007