Annual Percentage Rates valid as of March 27, 2017

Whether purchasing a new home for the first time, buying a second home, or refinancing your existing loan, you can count on us for competitive rates and first-class attention.

  • Competitive rates
  • Terms up to 30 years
  • Fixed or adjustable rate mortgages
  • Low minimum down payment
  • No prepayment penalty
  • Competitive closing costs
  • Life and disability insurance available
  • FREE Homebuyers Seminars
  • Quick approvals
  • Friendly and professional Real Estate Loan Experts

What's My Payment?

15 and 30 year Competitive Fixed Rate Mortgages. $35,000 minimum, $417,000 maximum - 15 years or less. Rate locks are available.
Maximum Loan-to-Value (LTV) 95% with mortgage insurance. Maximum term 30 years.
Purchase or refinance. One to four family owner occupied properties. Annual Percentage Rate (APR) offered is subject to change without notice and is based on a 20% down payment for 30 years. APR and points determined by individual credit history.

Visit our online Mortgage Center to check rates, apply now, or review resources that explain the home-buying process in detail, or call (518) 393-1326 and press 3 to speak with a Real Estate Loan Expert. Ask about our competitive Adjustable Rate Mortgages.