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Real Estate Loans
 Easy
application process
- Apply online
- Apply by phone (800) 804-7555
- Apply by mail: 78 Fox Street, Madawaska ME 04756
- Apply in person at one of our branches
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Mortgage Loans
Purchasing a new home is exciting and NorState Federal Credit
Union wants to make the loan process as exciting as the purchase.
We'll help you get the payment that fits your lifestyle.
- Fixed-Rate Mortgage terms of 10, 15, 20 and 30 years.
- Adjustable Rate Mortgages (ARMS), amortized for as long as 30 years.
- Fixed-Rate, Fixed-Term Home Equity Loans
- Adjustable-Rate Home Equity Lines of Credit
NorState Federal Credit
Union Advantages
- Great rates *
- Your loan stays in-house
- Same rates for mobile homes with or without foundation
- Affordable weekly or monthly payments
- Loans available for secondary residences and mobile
homes
- Financing up to 90% of value or purchase price,
whichever is less
- Fixed rates (10, 15, 20 and 30 years)
- Variable rates (1, 3 and 5 year locks)
- Refinancing from other high-rate lenders available
- Optional Life and Disability insurance available
at a reasonable cost
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Home Equity Loans
NorState Federal Credit Union offers flexibility with your
Home Equity Loans.
NorState
Federal Credit Union Advantages
- Great rates (Prime
+0)
- No Prepayment penalties
- No Annual Fees
- No Closing Costs**
- Quick close program
- Loans available for secondary residences and mobile
homes
- Affordable weekly or monthly payments
- Annual Percentage rate will not exceed 15%
- Repayment is only 1% of the outstanding balance
- No minimum withdrawals
- Variable Home Equity Program
- Interest Only Home Equity Program (Pay interest only
for 5 years with a variable monthly rate, reverting
to 1.5% repayment of outstanding balance)
- Home Equity Fixed rates are also available (10,15 & 20
years)
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Risk Based Pricing - Rates vary
depending on your credit history and score
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Optional Life and Disability
insurance available at a reasonable cost
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*Rates vary depending on your credit history and score
**Closing
costs may apply on lines of credit less than $10,000.
Contact us and
we'll be glad to answer any questions you may have about
loan alternatives, rates and the application process.
First-Time Homebuyer Loans
HLPR (HeLPeR) Mortgage Loan Program
Purchasing your first home? NorState Federal Credit Union can help with their "No Gimmicks" low-rate mortgage for first-time homebuyers.
- Based on maximum household income.
- Annual commitment of funding by NorState Federal Credit Union.
- Loan terms up to 30 years with a 3-Yr. ARM rate based on one percentage point below the National Average as published by CUNA. Rates are priced according to the published rates on the last day of the previous month.
- 1-3% required down payment.
- Call one of our loan officers for more information and rates.
NorState Federal Credit Union Advantages
- Low rate
- Your loan stays in-house
- Affordable weekly or monthly payments
- Small down payment
- Easy application process
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Branch Locations 
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1-800-804-7555 