Loans - Mortgages

Mortgage Loans

Gates Chili FCU is pleased to offer a variety of mortgage loan opportunities to our members.

Whether you are purchasing a home or refinancing a mortgage, you can look to the Gates Chili Federal Credit Union for exceptional service.

In partnership with OwnersChoice Funding, the Gates Chili Federal Credit Union offers mortgage financing. A full-service mortgage corporation serving credit unions in the greater northeast, OwnersChoice is a trusted partner for credit union mortgage lending with over 25 years of exclusive credit union mortgage experience.

Our mortgage program through OwnersChoice features:

  • Low interest rates and closing costs
  • Expert support and assistance
  • Financial calculators
  • Secure online applications with pre-approvals in minutes
  • Online mortgage center that lets you make payments and view your mortgage information 24/7

In addition to conventional mortgages, we are now also offering FHA, VA, and USDA mortgage financing.

FHA Mortgage Loans

A federally-assisted program that helps homeowners obtain attractive interest rates with less stringent and more flexible qualification requirements.

  • 3.5% down payment
  • All funds can come as a gift from a relative
  • 6% seller concession

USDA Mortgage Loans

Offered to rural property owners

  • 100% financing, 6% seller concession permitted
  • All funds can come as a gift
  • Only for certain rural and suburban-area properties

VA Mortgage Loans

Offered to Veterans and their spouses

  • 100% financing
  • Seller can pay all closing costs
  • Must be an eligible veteran

If you are looking for competitive mortgage financing from a lender you can trust, contact our mortgage professional at OwnersChoice today

For more information, call (800) 342-4998, visit or email

Ready To Get Started On Your Loan?

Apply Today

See All Rates | Contact a Loan Specialist at (585) 247-1090

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