Home Mortgage Loans

Home Mortgage Loans

Summary

Buying a home doesn't have to be intimidating, especially when your community bank has your back. Let us walk you through the process to find the right loan that fits your needs. You won't get this kind of one-on-one service from the megabanks.

  • Buy or refinance your dream home
  • Competitive, fixed rates
  • Flexible terms for affordable payments
  • Available from 10-30 years
  • Low closing costs
  • Convenient payments through AutoPay
  • No pre-payment penalty
  • Quick decisions made here in the upstate New York
  • Personalized service from open to close

*If you qualify. Value determined by purchase price or appraised value, whichever is lower.

Institution NMLS ID- 422263

Rates
Calculator

Mortgage Calc Link

Rates accurate as of December 22, 2016.

APR = Annual Percentage Rate.

Fixed Term Mortgage Rates

Mortgage TermInterest RatePointsAPR*
10 Year4.250%
4.000%
0
1
4.277%
4.240%
15 Year4.250%
4.000%
0
1
4.269%
4.167%
20 Year4.500%
4.250%
0
1
4.515%
4.381%
25 Year4.750%
4.500%
0
1
4.763%
4.611%
30 Year5.000%
4.750%
0
1
5.011%
4.848%