Annual Percentage Rates valid as of November 16, 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?

Fixed Annual Percentage rate. One to four family, owner occupied properties only. Maximum Loan-to-value (LTV) is 95% with mortgage insurance. Rate locks may be available. 20% down payment may be required. $35,000 minimum loan amount. $424,100 maximum loan amount. Title insurance may be required. All loans are subject to credit approval. Actual rate and terms may vary and will be determined by individual credit history. Adjustable rate options also available.

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.