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 OwnersChoice.com or email mortgage.member.loan.services@ownerschoice.com.

Ready To Get Started On Your Loan?

Apply Today

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

You Are Leaving Gates Chili Federal Credit Union's Site

By accessing the noted link you will be leaving Gates Chili Federal Credit Union's website and entering a website hosted by another party. Gates Chili Federal Credit Union is not responsible for its products, services, or overall website content. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Gates Chili Federal Credit Union. If you choose to conduct business here, you will be conducting business with the alternate website.

Continue to Site