Our No Closing Cost Mortgages saved our members over $4.5 Million in closing costs in the past 5 years!
Features
- Fixed Rate
- No Closing Cost Refinance Mortgages are also available
What Will You Save
If you choose a No Closing Cost Mortgage, you save on the following closing cost fees:
- Appraisal
- Credit Report
- Flood Certification
- Mortgage Tax
- Lender’s Title Insurance
- Tax Service Fee
- Recording Charges
*NO CLOSING COST MORTGAGES - No Closing Cost Loans require a 3-year recapture period and Rewards Checking with Autopay.
HOME MORTGAGE DISCLOSURE ACT NOTICE - The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website. (www.consumerfinance.gov/data-research/hmda).
BORROWER COMPLAINTS AND INQUIRIES - Beginnings Credit Union is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about Beginnings Credit Union by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.