## Real Estate Loan Rates

#### Annual Percentage Rates valid as of September 23, 2014

**Variable Home Equity Line of Credit**

**Finance up to 80% of the value of your home!**

Term | Annual Percentage Rates As Low As | Variable Index | Payment Calculator |

Competitive Variable Rate. $10,000 minimum, $250,000 maximum.

The variable Annual Percentage Rate (APR) is set monthly. This is based on the highest prime rate

on the last business day of the previous month as published in the Wall Street Journal,

with an 18.00% APR lifetime cap and a 4.00% APR lifetime floor.

The Prime Rate as of 08/31/2014 was 3.25% as published in the Wall Street Journal.

***SPECIAL INTRODUCTORY OFFER:** Fixed APR as low as 1.99% for thirteen months from the date of disbursement.

Variable APR thereafter will be as low as prime plus 0.00%. As of 08/31/2014, the rate was as low as 4.00% APR.

This offer may change without prior notice. APR and index are subject to change. APR is based on individual credit history and loan to home value.

No closing costs except NYS mortgage tax.

fixed home equity line of credit

**Finance up to 80% of the value of your home!**

Term | Annual Percentage Rates As Low As | Monthly Payment Per $1000 | Payment Calculator |

Competitive Fixed Rates. $10,000 minimum, $250,000 maximum.

The Annual Percentage Rate offered is subject to change and is determined by individual credit history

and loan to home value. Minimum initial advance must equal 90% of credit limit.

Terms available are 5, 10, 15 and 20 years. Draw period is 2 years.

After draw period ends, remaining time left is the repayment period. Monthly Payment is based on a 30 day month.

No closing costs except NYS mortgage tax.

### Mortgages

**Purchase a new home or refinance your existing mortgage!**

Term | Annual Percentage Rates As Low As | Points | Payment Calculator |

15 and 30 year Competitive Fixed Rate Mortgages. $40,000 minimum, $250,000 maximum - 15 years or less.

Rate locks are available.

Competitive Adjustable Rate Mortgages available. Call 518-393-1326 and press '2' for details.

Maximum Loan-to-Value (LTV) 95% with mortgage insurance. Maximum term 30 years.

Purchase or refinance. Low minimum down payment. 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.

### Easy Street FLEX-Mortgage- Choose from a 5-12 Year Fixed Annual Percentage Rate

**No Title Insurance, No Attorney Fee, No Appraisal Fee, No Recording Fee, No Points**

Term | Annual Percentage Rate | Points | Payment Calculator |

Fixed Annual Percentage Rate (APR). $50,000 minimum, $250,000 maximum. Primary residence only.

First lien only. Loan-to-Value (LTV) must be 50% or less to receive listed APR. Only fee is New York State Mortgage Tax.

This offer is good for refinance only. Existing First New York real estate loans are eligible with $50,000 of new money.

Must be credit qualified. Available for a limited time. Other terms and conditions may apply.

APR offered is subject to change without notice.We do business in accordance with the Federal Fair Housing Law and Equal Credit Opportunity Act.

Other rates and terms available up to 75% LTV.