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Real Estate Loans
- 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.
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 