Home Loans

Bring your family home with a Horizons home loan.

Whether you’re purchasing a new home or refinancing your current home, we have low non-variable and adjustable rate loans to meet your needs.

First Mortgages

Horizons FCU has many types of home loans to choose from.

  • Minimum mortgage amount $20,000
  • Maximum mortgage amount per member $300,000
  • Terms of 15, 20, or 30 years
  • Up to 95% financing
  • Owner occupied properties, 1-4 families
  • Non-owner occupied properties, up to 2 families
  • 45-day rate lock

Home Equity Line-of-Credit Loans

Two (variable-rate) Home Equity Line-of-Credit (LOC) Loans and three closed end fixed rate are available at Horizons FCU. They include:

6 Months Fixed

  • 80% – 1.99%
  • 90% – 1.99%

After 6 Months

  • 80% – Prime Rate
  • 90% – Prime Rate plus .50

Interest Only LOC for up to 15 years

  • 80% – Prime Rate plus 0%

Home Advantage Loan

Credit Union members can use these loans for any reason; debt consolidation, vacations, swimming pool, home electronics, education and more. The interest may be tax deductible (consult your tax advisor for information).


(607) 724-5876


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Learn more about our Home Loan Rates

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