312 Palmer Avenue
Corinth, NY 12822
35 Niver Street
Cohoes, NY 12047
160 Broad St
Glens Falls, NY 12801
1167 State Route 29
Greenwich, NY 12834
3762 Burgoyne Ave
Hudson Falls, NY 12839
Shared Branching
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The homebuying process can be stressful and confusing — especially for first time homebuyers.
HRCCU has tips to help buyers navigate the process and make the right decision for you and your financial situation.
Read our blog posts to learn the ins and outs of the mortgage loan process, whether you are a first-time homebuyer or refinancing an existing loan.
Get tips on what type of mortgage is right for you, home equity loans, and submitting a mortgage application.
Buying a home is pretty intimidating. You may have found the home of your dreams or had your eye on a fixer upper for a while. However, knowing what you want is just the beginning. You need to know what you can afford, what your options are, and all of the costs associated with a… Read more »
In a tight housing market, it’s important to capitalize on every advantage you can. For many people, this will include shopping around for the best mortgage rates and looking especially hard at the advantages of choosing a mortgage loan provided by a credit union. Why Choose a Credit Union for Your Mortgage? When you are… Read more »
Buying a home represents an exciting time in life. The journey to home ownership begins with understanding the mortgage application process and the crucial considerations that come with it. At Hudson River Community Credit Union (HRCCU), we are here to guide you through every step, ensuring a seamless and informed experience. Let’s dive into the… Read more »
Mortgage loan calculators, such as the one offered by Hudson River Community Credit Union (HRCCU), are powerful tools that can help future homeowners understand the impact of mortgage rates on their future payments. This allows them to better evaluate their ability to buy homes at various price points. Properly used, the HRCCU mortgage loan calculator… Read more »
When you’re in the market to buy a home, a lot of factors must be taken into consideration. Among them, financing may be the most important. How a new home is paid for matters for buyers and sellers. It’s important to know the difference between the pre-qualification and pre-approval steps for home mortgages. The Main… Read more »
If there’s one way to sum up the housing market over the past few years, the word is unpredictable. From the fierce bidding wars of the pandemic to the subsequent — and unprecedented — rise of interest rates, homebuyers have experienced a multitude of struggles when trying to find, bid on, and purchase homes. In… Read more »
When you are trying to buy a home or get a home equity line of credit, a lot of paperwork is involved, from credit reports to legal contracts. In particular, mortgage lenders require a lot of documentation to put together a full financial picture of potential borrowers. This financial assessment involves reviewing bank statements from… Read more »
When consumers are in the market to buy a home, financial factors are often top-of-mind. This includes everything from monthly payments and interest rates to the difference between the appraisal and market value of homes they are considering buying. In a dynamic real estate market, understanding bank appraisal versus market value is critical when it… Read more »
Throughout much of 2021, buyers found the housing market challenging to navigate. All-time low mortgage interest rates combined with a finite number of listed properties led to bidding wars that drove asking prices upward by 18.5% according to the Federal Housing Finance Agency (FHFA) — leaving many prospective homebuyers with no choice but to rent…. Read more »
Prospective borrowers who are looking into mortgages or other financing options have likely heard the phrase “debt-to-income (DTI) ratio” — which may cause them to ask, “what is DTI and why does it matter?” Despite the name, debt-to-income (DTI) ratio is often expressed as a percentage and is one of the multiple factors that can… Read more »
