Limited time promotion available to credit qualifying borrowers. Minimum loan amount of $100,000. Property must be owner occupied. Private Mortgage Insurance may be waived for loans up to 90% CLTV (Combined Loan to Value) and points of 2.00% will apply for loans over 80% CLTV. Tax escrow may be required. The credit union will provide $400 off closing costs for first mortgage loans through this offer, does not apply to government loans. The coupon must be presented at time of application. Cannot be combined with any other promotion. Geographical Requirements: Albany, Fulton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. Offer expires September 1, 2021. Credit union reserves the right to discontinue promotion at any time.