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Mortgage Loans

Your aspirations matter. Let’s find your future home.

the home of your dreams is within reach

Reliant provides the rates, terms and programs you need, whether you’re a first-time homebuyer or an experienced homeowner. Let’s get you moving toward the home of your dreams.

  • Low Rates

    As your credit union, Reliant is ready to offer the competitive rates that you need to make your new home affordable.

  • Flexible Terms

    You’re an individual. Our mortgage offerings are tailored to suit. Talk to us about your needs, and let’s see what we can do.

  • Helpful Programs

    Are you a first-time homebuyer? We can connect you with a variety of programs to help you buy a home.

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in their words ...

Steve Synesael

Reliant’s Mortgage Team was nothing short of amazing. They were there every step of the way.

Steve S.
Member since 2009

service to see you through

Buying a home is a major decision. Whether you’re buying your first home or you’re an experienced buyer, you’re sure to have questions. Our team has the expertise to walk you through all of your questions.

We’ll start by getting to know you and introducing you to the people who will be helping you move forward, step by step. Then we’ll get you preapproved, so you know how much house you can afford.

Get started by selecting a mortgage originator.

First-time buyer? View resources just for you.

mortgage programs

Run by the Federal Home Loan Bank of New York and administered through Reliant, the Homebuyer Dream Program provides up to $20,000 to help eligible first-time homebuyers with their down payment and closing costs.

To increase your chances of being awarded this grant, get started on the process as soon as you can.

Find more details about the program on our First-time Homebuyer Resources page.

If you’re a credit-worthy, low- to moderate-income borrower — especially if you’re shopping for a home in one of our designated communities — this Fannie Mae program may be a fit.

With low, fixed rates and loan terms up to 30 years, HomeReady (offered through Reliant) can be combined with community grants through many municipalities to make buying your first home an achievable goal.

  • Low down payment. Finance up to 97% of your purchase price with many borrower flexibilities.
  • Flexible funding sources. With no minimum contribution from the homebuyer, this program has the flexibility to help you afford your first home.
  • Home-ownership education. Ready for the responsibilities of home-ownership? We can help with that. Get an easy-to-use, free online course provided by Fannie Mae called HomeViewTM to help get you ready to own your home.

Learn more about the HomeReady program

State of New York Mortgage Agency (SONYMA) offers low-interest mortgage loans and programs to help qualified buyers purchase their first homes. If you haven’t owned a home within the past three years, or if you’re a US veteran, this may be an option for you.

  • Owner-occupied purchases only
  • Minimum 3% down payment
  • Purchase price and income limits apply
  • Down payment assistance may be available

Read more about SONYMA Mortgages

Available to eligible employees who work for law enforcement agencies, fire departments, medical providers, military, public or private educational institutions, and more.

  • 30-year conventional mortgage
  • Down payments as low as $0*
  • Minimum of two years employment history in qualifying profession
  • At least one borrower must be employed either full- or part-time (part-time employees must document two year history in the required profession) in one of the following eligible professions or employed in one of the named organizations:
          • Public or private educational institution
          • Fire department (volunteers also eligible)
          • Federal, state or local government law enforcement agency
          • Medical care provider, including but not limited to:
            • Hospitals
            • Physician’s offices and medical practices
            • Inpatient and outpatient care centers and clinics
            • Assisted living facilities
            • Skilled nursing facilities
            • Home health agencies
            • Nurses (all designations including certified nursing assistant)
            • Emergency medical technicians and paramedics (volunteers also eligible)
          • Active or former military personnel will qualify when at least one borrower documents one of the following:
            • Current income derived from active duty or military retirement
            • Military service with DD Form 214 (dishonorable discharge ineligible)
            • Eligibility for a Veterans Administration (VA) mortgage with a current VA Certificate of Eligibility


*Closing costs still apply.



An FHA mortgage loan is insured by the Federal Housing Administration, which is part of the Department of Housing & Urban Development’s (HUD) Office of Housing.

This insurance protects lenders against a portion of the loss if homeowners ever default on their loans. To pay for this protection, the borrower has to pay a Mortgage Insurance Premium (MIP) at the time of closing and monthly, generally for the life of the loan.

Even with the extra cost of insurance, however, there are many benefits to an FHA loan.

  • Less stringent debt-to-income ratio as compared to a Conventional Mortgage
  • Down payments as low as 3.5% on owner-occupied residences
  • Lower down payment options for two-, three-, and four-family properties

Learn more about FHA Loans

The U.S. Department of Veterans Affairs (VA) helps servicemembers, veterans, and eligible surviving spouses to become homeowners, providing a home loan guaranty of a portion of the loan to an approved lender. Thanks to this, we can offer more favorable terms than we might be able to offer otherwise.

  • No down payment may be applicable based on certificate of eligibility (COE)
  • No Private Mortgage Insurance (or PMI) required
  • Flexible underwriting available
  • Reduced closing costs
  • Competitive 30-year fixed-rate program

To qualify, you’ll need approved credit, sufficient income, and a Certificate of Eligibility.

Learn more about VA Mortgages.

Are you a low- or moderate-income household? Would you like to own a single-family home in a less populated area? The USDA Rural Development Mortgage (RD Loan), sponsored by the United States Department of Agriculture, is designed to promote homeownership in less-densely populated communities across the U.S.

But don’t let the name fool you! It’s not just for places far-removed from suburban or urban areas. There are many approved areas in Wayne and Ontario counties, as well as several other communities we serve.

  • No down payment required
  • Reduced mortgage insurance as compared to other programs
  • No limit on seller-paid closing costs
  • More lenient credit score requirements
  • Competitive 30-year fixed-rate program

Find out if my income is eligible

Find out if the property I want is eligible

Learn more about Rural Development Mortgages

When a borrower takes out more than one loan at the same time to purchase or refinance a property, the additional loans are known as Piggyback Mortgages.

Sometimes they’re also called 80-10-10 mortgages. The first mortgage represents 80% of the property’s value, the second mortgage represents 10% of the total value, and the other 10% is the cash investment (or equity) of the person who’s buying or refinancing it.

This structured transaction offers several benefits:

  • Lower interest rate on the first mortgage when total financing exceeds $417,000
  • The additional cost of Private Mortgage Insurance (PMI) is not required, even with a down payment of less than 20%
  • The ability to lower monthly payments by paying off one of the structured mortgages in advance of the other
  • Structured cash-out with better terms on the first mortgage

Contact a Reliant Mortgage Originator to see how structured financing can save you money!

Need greater flexibility in unique underwriting situations? Not a veteran? Don’t qualify for an FHA, VA, or Conventional Mortgage? You may want to consider a Portfolio Mortgage instead.

Simply put, this mortgage is a loan offered with the intention of holding it in its own portfolio, rather than allowing another entity to acquire it. Portfolio loans utilize Conventional guidelines, but offer more flexibility in the lending process. Choose from a Fixed or Adjustable rate, with or without Private Mortgage Insurance, and know that your mortgage will continue to be serviced by Reliant through the entire life of your loan.

Select a mortgage originator

achieve your dreams of homeownership

At Reliant, we believe in you. And when someone believes in you, you can achieve great things.

additional resources

Meet our Team

Our team has the expertise to walk you through the homebuying process. Get to know your team—the people who will be helping you move forward, step by step.

  • Holli Dowling

    Holli Dowling

    Mortgage Sales Manager, NMLS #883841

    Email: [email protected]
    Office: 10 Benton Place, Sodus, NY 14551
    Mail to: 10 Benton Place, PO Box 40, Sodus NY, 14551

    Office: 800-724-9282 x3422
    Fax: 888-620-9787
    Mobile: 585-315-8998

    “There is nothing more gratifying than guiding buyers smoothly through the mortgage process and seeing the joy on their faces on closing day!”

    Holli has had the privilege of assisting hundreds of families through the mortgage process, enabling them to realize their dreams of home ownership.  Her experiences as a mortgage processor, a mortgage underwriter and a manager over a processing and underwriting team have shaped her into a knowledgeable and experienced mortgage loan originator.

    Get started working with Holli

    Print or Share Holli’s Contact Info

  • allie ridley headshot

    Allie Ridley

    Mortgage Originator, NMLS #1824174

    Email: [email protected]
    Office: 10 Benton Place, Sodus, NY 14551
    Mail to: 10 Benton Place, PO Box 40, Sodus NY, 14551

    Office: 800-724-9282 x3261
    Fax: 888-620-9787
    Mobile: 585-752-2889

    “I look forward to being a positive force within our community by helping our members achieve their goals of homeownership.” 

    Allie’s years of experience and dedication to her clients will give you peace of mind as you navigate your mortgage and refinance options. Don’t hesitate to say “hello” and allow her to help you achieve your homeownership goals. Allie is excited to work with you!

    Get started working with Allie

    Print or Share Allie’s Contact Info

  • Dawn Sargent

    Dawn Sargent

    Mortgage Originator, NMLS #785556

    Email: [email protected]
    Office: 870 Holt Road, Webster, NY 14580
    Mail to: 10 Benton Place, PO Box 40, Sodus NY, 14551

    Office: 800-724-9282 x3420
    Fax: 585-872-9427
    Mobile: 585-747-3514

    “I look forward to working with our members one-on-one and preparing them to meet their home ownership goals!” 

    Dawn is ready to work with you to help you find the right mortgage solution for your situation—whether you are a first-time homebuyer just starting out, you’re looking for a forever home, or you’re looking to refinance the home you’ve been in for years!

    Get started working with Dawn

    Print or Share Dawn’s Contact Info

Mortgage Calculator


Reliant offers a variety of mortgage products to match your specific needs.  For a full listing of current programs, visit the Mortgage Loans page of our website.  Additional information about mortgage programs is also available by calling our Member Service Center at 800-724-9282.

Reliant offers several first-time homebuyer solutions, including SONYMA, the Homebuyer Dream Program™, and HomeReady™ by Fannie Mae. For additional information, visit our first-time homebuyer resources page or call our Member Service Center at 800-724-9282.

You can get started on the pre-approval process by filling out a mortgage pre-approval form. A mortgage originator will get back to you within one business day to complete the process. You can also schedule an appointment to meet with a mortgage originator by calling our Member Service Center at 800-724-9282.

You can submit an application online or with one of our expert mortgage originators. To schedule an appointment, please call our Member Service Center at 800-724-9282.

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