Mortgages Long Island NY | Island Federal Credit Union

Island Home Lending

Your Key to Homeownership

At Island, we know that the process of purchasing a home can be time-consuming and even somewhat overwhelming. We are here to make sure that the home buying process is easy and simple for you. Whether you are a first-time home buyer or looking to refinance your current home, Island Federal has you covered. Our online application makes applying for a mortgage quick and easy.

Apply online in
just 10 minutes!

apply online 

Apply Now

Current Rates & Financial Calculators

30 Year Fixed-Rate


Fixed-Rate Mortgage Calculator

15 Year Fixed-Rate


Fixed-Rate Mortgage Calculator

10/1 Adjustable Rate


Adjustable Mortgage Calculator

See All Rates

What Our Members are Saying

 Donaldson's testimonial


 Donaldson's YouTube link




Exclusive Mortgage Products

dream it

Dream It. Achieve It.

Our “Dream It. Achieve It.” program offers a 100% loan to value conventional mortgage.


Heroes Mortgage

Our Heroes Mortgage program is designed to give back to those who serve.

self emp

Self Employed Borrowers

Island has an alternative financing option for self-employed borrowers too!

dream it

Cut-the-Cost Mortgage

Let Island Federal help pay your closing costs to free up funds. 

Learn More

Learn More

Learn More

Learn More

Other Mortgage Programs Available:

  • First Home Club Program
  • Jumbo Mortgage
  • FHA & VA Mortgages

To Apply

To apply for an Island mortgage to purchase a new property or to refinance a current one:

Apply Online.  It's Quick and Easy!

Visit one of our Home Lending locations:


Island Federal Hauppauge
120 Motor Parkway
Hauppauge, NY 11788


Island Federal East Setauket
430 Route 25A 
East Setauket, NY 11733




 Other Financial Calculators:

Questions or Comments:

If you'd like to learn more about the mortgage process, Click Here to read our Home Loan ToolKit

For questions for comments please feel free to reach out to us!

Island Federal Webinar: Purchasing a Home in Today's Market


Disclaimer: Island Federal makes every effort to ensure that the information posted is current and accurate; however, we make no warranties of any kind, expressed or implied. Membership eligibility applies.



Back to Top

Close personalization window

ask about our new Refer-A-Friend program! CLICK HERE to learn more.

Please do not remind again