MORTGAGE RATE CHART
Fort Orange Funding, LLC cdavid@fortorangefunding.com 21 Everett Road Ext., Albany, NY 12205, (518) 446-9629
Visit us online fortorangefunding.com.
Registered Mortgage Broker, NYS Dept. of Financial Services NMLS #67822 - Loans funded by third parties. Rates subject to change.
Homeowners Advantage
Fixed and adjustable 10% Down No PMI Available; 10/1 ARM at 2.5%* (3.489%* APR). Ask how you can save through our Community Heroes program. CAP COM credit union membership required prior to disbursal for certain loan programs. *Advertised ARM Rates require Auto-deduct payments from an associated Cap Com account. Local Origination,
Decisioning, and Servicing on Conventional Loans. Membership not required. You can now call us 24 hours per day, 7 days per week at (518) 458-2195, ext. 3129 to get started! 365 Day Lock on All New Construction Loans. ARM rate fixed for 5 years. Cap Com’s Mortgage Team, Homeowners Advantage is an Equal Housing Lender and is Licensed Mortgage by the NYS Department of Financial Services. NMLS #290363.
Sunmark Credit Union www.sunmarkfcu.org 1187 Troy Schenectady Rd., Latham, NY 12110, 866-SUNMARK (518) 382-0605
Low rates, meet high flexibility! Call us to see how much you can save! For current rates, visit subject to change without notice.
Trustco Bank www.trustcobank.com 20 year fixed - 2.75-2.834
Loan Center, 6 Metro Park Road, Albany, NY 12205, (518) 377-3311, 800-670-3110
Flexible Lending Options • Local Servicing & Local Decisions • Low Closing Costs, with No Closing Cost mortgage options available • No borrower-paid Private Mortgage Insurance •
Lender-paid Private Mortgage Insurance on loans over 89.5% Loan-to-value • 330-Day Rate Lock New Construction Loans. Apply online at mortgage@trustcobank.com 30 Year RATE–APR POINTS 0 3.125-3.292 15 Year RATE–APR POINTS 0 0
ARM RATE–APR POINTS 0
FHA RATE–APR POINTS 0 0 (866-786-6275). Rates and terms are http://www.trustcobank.com/ , or at one of
Loan approval is not contingent on payments being auto charged from Trustco deposit account. Rate current as of 6/9/2021. Rate listed applies to owner-occupied primary residence loans of $600,000 or less, up to 89.5% Loan to Value for a term of 30 years and payments auto charged from a Trustco Bank deposit account- 360 monthly payments of $4.28 per $1,000 borrowed; 15 Year Mortgage = 180 monthly payments of $6.73 per $1,000 borrowed. An excellent credit profile including a FICO score of 750. Your actual rate may be higher than those shown based on information relating to these factors as determined after you apply. Payments do not include amounts for taxes and insurance premiums. Actual payment will be greater. Lender paid Private Mortgage Insurance on loans over 89.5% Loan to Value. Condominium financing up to 80% Loan to Value. Other rates and terms available. Please note: We reserve the right to alter or withdraw these products or certain features thereof without prior notification. Subject to Credit Approval. NMLS #474376
Rates are as of 6/16/2021 and are subject to change without notice. APR stands for Annual Percentage Rate and is rate of interest charged on a loan, calculated to take in account up front fees and points. Usually higher than the contract interest rate. Information is provided by individual lenders. To advertise in the Mortgage Directory, call Amanda Tunstall at 518-454-5404 or email atunstall@timesunion.com
These rates can be viewed online at timesunion.com/mortgage
Equal Housing Opportunity Lender