MORTGAGE RATE CHART
Ballston Spa National Bank, www.BSNB.com
990 State Route 67, Ballston Spa, NY 12020-0070, (518) 363-8107
270 day rate lock protection available on new construction. Construction loans available to build on your own land. Modular or stick built construction. 10% down no mortgage insurance no escrow option is available. Local approvals and local mortgage loan servicing.To apply or learn more visit www.bsnb.com/loans/mortgages/financing.php or call our mortgage professionals at 518-363-8107. Rates and terms are subject to change without notice. BSNB is an Equal Housing Lender.
1st National Bank of Scotia
mortgages@firstscotia.com
201 Mohawk Avenue, Scotia, NY 12302, (518) 370-7280
Rates and terms are subject to change without prior notice and may vary based on credit quality, loan amount, and property type. Annual Percentage Rates (APRs) are based on loans of $100,000 and may be affected by finance charges. .
First New York Federal Credit Union
member.services@firstnewyork.org_
2 Wall Street, Albany, NY 12205, (518) 393-1326
First New York offers a full range of residential and commercial mortgages at low closing costs. Purchase and refinancing options are available.Visit www.firstnewyork.org for rates and terms. NMLS #477178
Homeowners Advantage info@homeownersadvantage.com
4 Winners Circle, Albany, NY 12205, (877) 266-7722
Fixed and Adjustable Rate Mortgages (ARM) available with low and no down payment options. Ask how you could potentially save with our Community Heroes Mortgage program. Credit union membership may be required prior to loan disbursal for certain products. APR = Annual Percentage Rate. All rates quoted are the lowest available rates, actual interest rate will be based on overall credit worthiness. Representative payment for a 30-year fixed mortgage at 5.875% with a 6.667% APR is $6.43 per $1,000 borrowed. Representative payment for 5/1 ARM at 4.00% with a 4.950% APR is $4.77 per $1,000 borrowed for the first 10 years then subject to increase. Rates are accurate as of 01/10/2023 10:40 AM and are subject to change without notice. Mortgage products in New York State only and offered by our Mortgage Team, Homeowners Advantage (HOA), which is a subsidiary of Broadview FCU. HOA is a Licensed Mortgage Banker – NYS Dept. of Financial Services. HOA NMLS Identifier: 309847. Principal Address: 4 Winners Circle, Albany NY 12205. Broadview FCU and its subsidiary Homeowners Advantage can facilitate but are not directly associated with the US Dept. of Housing and Urban Development (HUD). Equal housing lender.
Sunmark Credit Union mortgage@sunmark.org
1187 Troy Schenectady Rd, Latham, NY 12110, 866-SUNMARK
Low rates, meet high flexibility! Call us to see how much you can save!
For current rates, visit www.sunmark.org or call 866-SUNMARK (866-786-6275). Rates and terms are subject to change without notice. *4.75% simple interest rate, 5.124% APR good for 5 years. 80% LTV required. Beginning in year 6, through year 30, rate can adjust up to 2% annually, with a maximum rate of 10.75% and minimum simple interest rate of 4.75 for the remainder of the loan term. Available for purchase transactions only. Rates subject to change.
Trustco Bank www.trustcobank.com
Loan Center, 6 Metro Park Rd., 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 • Lender-paid Private Mortgage Insurance on loans over 89.5% Loan-to-Value • 330-Day Rate Lock New Construction Loans
Apply online at http://www.trustcobank.com/, or at one of our branch locations. NMLS # 474376. Email: mortgage@trustcobank.com
Insurance
Loan approval is not contingent on payments being auto charged from Trustco deposit account. Rate current as of 1/12/2023. Rate listed applies to owner-occupied primary residence loans of $800,000 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 $5.99 per $1,000 borrowed: 15 Year Mortgage = 180 monthly payments of $8.37 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