| Lender | 30 Year Rate-
APR and
Points | 15 Year Rate-
APR and
Points | ARM Rate-
APR and
Points | FHA Rate-
APR and
Points |
Adirondack Home Mortgage Inc.
2004 Cardiff Road,
Schenectady, NY 12303
(518) 355-3737
info@adirondackhomemortgage.com | 6.625
0 | 6.0
0 | 6.25
0 | 6.875
0 | REFINANCE TODAY. RATES ARE LOW AGAIN. Get Pre-qualified at WWW.ADIRONDACKHOMEMORTGAGE.COM. If your income is under $53,000 - 6.0 - 30 and 40 year program - NO POINTS. Loan officers available nights and weekends!
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Advantage Mortgage Services
453 New Karner Road
Albany, NY 12205
(518) 690-2232
http://www.advantagemortgage123.com/ | 6.375
0 | 5.875
0 | 4.625
0 | 6.375
0 | Work with the experts in 1st Time Home Buying and 100% financing. New Construction and Reverse Mortgage Services Available. Registered Mortgage Broker NY/CT/FL Banking Departments. Loans arranged through third parties.
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Albany Funding Inc.
1720 Central Ave.
Albany, NY 12205
(518) 869-5890
E-mail | 6.375
0 | 5.75
0 | 5.75
0 | 6.5
0 | YOUR COMPLETE MORTGAGE SOURCE. WWW.ALBANYFUNDING.COM. Registered Mortgage Broker, NYS Banking Department. Loans Arranged with Third Party Providers.
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Albany Mortgage Group Inc.
1 Marcus Blvd, Suite 206
Albany, NY 12205
(518) 435-1129
www.albanymortgage.com | 6.125
0 | 5.0
0 | 4.875
0 | 6.125
0 | (270 day lock available at 6.5% for new construction. 30 yr. fixed . www.albanymortgagegroup.com. Licensed Mortgage Banker, NYS Banking Department.
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Lender Return to Top ^ | 30 Year Rate-
APR and
Points | 15 Year Rate-
APR and
Points | ARM Rate-
APR and
Points | FHA Rate-
APR and
Points |
Alumni Funding, LLC
1881 Western Avenue
Albany, NY 12203
(518) 452-9040
ggalumnifunding@yahoo.com | 6.375
0 | 6.00
0 | 5.625
0 | 6.75
0 | REAL RATES - REAL COSTS - LOWEST JUMBO RATES AVAILABLE - FREE EXTENDED LOCKS (JUMBO LOAN AMT. $500,000+). Call us in Albany or Saratoga (518) 688-1010. Registered Mortgage Broker NYS Banking Dept. Mortgages through 3rd party lenders.
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American Bank
Mortgage Group
17 Computer Drive West
Albany, NY 12205
(518) 458-9711 x105 | 6.125
0 | 5.625
0 | 0
0 | 5.8
0 |
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Ballston Spa National Bank
87 Front Street
Ballston Spa, NY 12020-0070
(518) 885-6781
BSNB.Guestbook@bsnb.com | 6.125-6.170
0 | 5.625-5.698
0 | 5.375-7.230
0 | NA
NA | Jumbo loans to $500,000 with no hits to rate. Add .375 to rate up to 1 million!!! Construction loans with FREE 6 month rate locks, on all stick built homes!!! Building that new addition/kitchen or bathroom? We can refinance your home and build the cost of construction into your loan!! Get an 1/8 off your rate with a BSNB direct withdrawal on some programs, Stated Self Employed loans for qualified borrowers, to 75% LTV. Please call Suzanne Ricci (363-8120), Sarah Brod (522-1707) or Tony Biviano (605-6029) for current rates and terms.
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Best Interest Mortgage Corp.
1 Fairchild Square
Clifton Park, NY 12065
(518) 877-7575;
FAX (518) 877-7597 | 5.875-6.127
2 | 5.125-5.543
2 | 1.75-6.324
0 | 6.125-6.377
0 | Great Informational Videos and Articles for Home Buyers and Sellers available at www.tipsforhomes.com/billteague. Registered Mortgage Broker - NYS Banking Dept. Loans funded by third parties.
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Capital Communications Federal Credit Union
18 Computer Drive East Albany, NY 12205
(518) 458-2195
E-mail | 6.50
0
| 5.99
0 | 5.00
0 | 6.375
0 | RANKED #1 IN THE COUNTRY FOR CUSTOMER SATISFACTION. Loans arranged through a Registered Mortgage Broker for optimal rate advantage. For information or to apply, call 458-2195 or www.capcomfcu.org.
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Lender Return to Top ^ | 30 Year Rate-
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Capital Region Funding, LLC
210 Washington Avenue Ext., Suite 104
Albany, NY 12203
(518) 218-7500
E-mail | 6.25
0 | 5.875
0 | N/A
N/A | 6.375
0 | Do you want to purchase a home?, but are not sure where to start? Then n call Rich Tollner today @ 428-5000 for a FREE CONSULTATION! Visit us online at www.capitalregionfunding.com. REGISTERED MORTGAGE BROKER - NYS BANKING DEPT. LOANS ARRANGED THROUGH 3RD PARTY LENDERS.
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Colonial Home Finance, Inc.
58 Clifton Country Road, Suite 203
Clifton Park, NY 12065
(518) 371-1100
E-mail | 6.125
1 | 5.50
1 | 4.125
1 | 6.50
0 | Interest Rates are Currently at Their Lowest Levels in Years. Call for an up to the Minute Rate Quote. Online at www.colonialhomefinance.com. REGISTERED MORTGAGE BROKER - NYS BANKING DEPT. LOANS ARRANGED THROUGH 3RD PARTY LENDERS. ALSO LICENSED IN FLORIDA.
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Lender Return to Top ^ | 30 Year Rate-
APR and
Points | 15 Year Rate-
APR and
Points | ARM Rate-
APR and
Points | FHA Rate-
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Points |
1st National Bank of Scotia
201 Mohawk Avenue,
Scotia, NY 12302
(518) 370-7280
FAX (518) 370-7273 | 6.375
0 | 5.875
0 | N/A
N/A | 6.375
0 | 1st National offers all types of mortgages and construction loans. We also have very competitive Commercial Mortgage Packages. Call us today to find out what mortgage product best suits your needs. Check us out for Auto Financing as well.
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First New York Federal Credit Union
1776 Union Street
Schenectady, NY 12309
(518) 393-1326
E-mail
| 6.375-6.375
0 | 6.0-6.0
0 | 5.75-7.324
0 | N/A
N/A | Low closing costs. Apply online at www.firstnewyork.org
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First Niagara Mortgage
8 Airline Drive
Albany, NY 12205
(518) 464-1100
| 6.375
0 | 5.875
0 | 5.375
.5 | 6.375
0 | Capital District's #1 Mortgage Lender!! Offering the widest variety of Mortage Programs to suit all needs. Call Today for Long Term Rate Locks on New Construction! 100% Financing Programs and More.
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First Priority Mortgage, Inc.
1547 Route 9
Clifton Park, NY 12065
(518) 348-6900
1stprioritymortgage.com | 5.625*
0 | 6.125
0 | 6.0
0 | 6.375
0 | *Income Limits Apply! Finance Up To 5% Of Your Closing Costs. Registered Mortgage Banker NYS Banking Department.
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1st Rate Funding, Corp.
501 New Karner Road
Albany, NY 12205
(518) 452-4700
Toll Free: 866-899-4700
www.firstratefunding.net | 5.875*
0 | 5.75
0 | CALL
CALL | 6.125
0 | *Income Limits Apply! 210 day rate lock available. Jumbo pricing, 100% financing, financing available for all credit levels, SONYMA, 40 year term for Saratoga & North 518-587-6000. Registered Mortgae Banker NYS Banking Department NYS Banking Dept. Mortgages through 3rd Party Lenders.
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Lender Return to Top ^ | 30 Year Rate-
APR and
Points | 15 Year Rate-
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Points | ARM Rate-
APR and
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Points |
Fort Orange Funding, LLC
21 Everett Rd. Ext.,
Albany, N.Y. 12205
(518) 446-9629 | 6.125
1 | 5.5
1 | 5.25
1 | 6.25
1 | Visit us online: fortorangefunding.com. 20 YEAR FIXED LOANS AVAILABLE - 5.99% - 1 POINT. Registered Mortgage Broker, NYS Banking Dept. Loans funded by 3rd Parties.
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Freedom One Funding Inc.
21 Halfmoon Executive Park Drive
Clifton Park, NY 12065
(518) 542-5626
E-mail | 6.125
0 | 5.5
0 | 5.25
0 | N/A
N/A | Spring into action! Witht he recent reduction in interest rates, it's a great time to cash out for that summer project you have always wanted to do. New pool? New deck? New landscaping? Take advantage of these low interest rates by refinancing today. 1st time home buyers will get $500 taken off their closing costs up to 6% in sellers concessions. Contact Chuck Bauer @ 518-275-0609 or 518-579-3424. You can also email me at chuck@freedomonefunding.com. Registered Mortgage Broker - NYS Banking Department. Loans arranged through 3rd Party Lenders.
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Home Funding Finders, Inc.
621 Columbia Street Ext.
Cohoes, NY 12047
(518) 783-1234
1-800-444-6313
www.myhff.com | 6.375-6.465
0 | 5.875-5.965
0 | 5.125-5.016
.25 | 6.250-6.340
0 | Ask us about paying no MI! Numerous Zero Down Programs Available. New York State Licensed Mortgage Banker and Broker.
| | |
Home Mortgage Network
930 Albany-Shaker Road
Latham, NY 12110
(518) 783-6600 | 6.25-6.73
1 | 5.75-6.23
1 | 5.625-5.99
0 | 6.25-6.65
0 | Apply online: www.homemortgagenetworkllc.com. FIRST TIME HOMEBUYERS - LOW FIXED RATES, 100% FINANCING, 3% SELLER CONCESSIONS. We still have NO INCOME VERIFICATION FINANCING. ASK ABOUT OUR $200 CLOSING COST REBATE. Home Mortgage Network is a registered mortgage broker with the NYS Banking Department. Loans are arranged by third party providers.
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HSBC Mortgage Corp.
11 Century Hill Drive
Latham, NY 12110
(518) 785-0300 | 6.375-6.527
0 | 5.750-5.896
0 | NQ
NQ | 6.00-6.195
0 | HSBC OFFERS ONE OF THE LOWEST FHA RATES IN TOWN. RATES ARE SUBJECT TO CHANGE AT ANY TIME. CALL OUR OFFICE FOR CURRENT INTEREST RATES.
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Kinderhook Bank
1 Hudson Street
Kinderhook, NY 12106
518-758-4009
jdonoghue@nubk.com | 6.125-6.135
0 | 5.875-5.891
0 | 5.625-5.723
0 | NA
NA | 3 Construction to Permanent Mortgage Loan Options. Fixed Rate HE Loan Rates: 5 year: 6.75% / APR: 6.75%; 10 year: 7% / APR: 7%; 15 year: 7.25% / APR: 7.25%; 20 year: 7.50% / APR: 7.50%. (HE Loan Rates assume automatic deduction of payments from a NUBK deposit account as well as a direct deposit arrangement)
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Optimal Funding Inc.
1086 New Loudon Road
Cohoes, NY 12047
(888) 383-6168
tom@optimalfunding.com | 6.125
2 | 5.50
2 | N/A
N/A | N/A
N/A | No income verification loans at same low rates, if qualified. All Credit Considered! 0 point loans available! Low Closing Cost Home Equity Loans! Apply online at www.optimalfunding.com! Call Tom Peterson at 518-383-6168. Registered Mortgage Banker - NYS Banking Dept.
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Pioneer Savings Bank
21 Second St.,
Troy, NY 12180
(518) 274-4800
E-mail | 6.500-6.535
0 | 5.875-5.932
0 | 5.375-6.096
0 | 6.375-6.932
0 | SONYMA, FHA, and other Affordable Housing Programs available; please call for details. 1 year ARM has 5 year cap and is convertible. Rate Lock - fixed 45 days for Refinances, 60 days for Purchases, ARM 75 days, New Construction 210 days, 15 year rate shown above is subject to establishing a Pioneer Savings Checking Account with Automatic Loan Payments. 10 year rate is also available.
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Lender Return to Top ^ | 30 Year Rate-
APR and
Points | 15 Year Rate-
APR and
Points | ARM Rate-
APR and
Points | FHA Rate-
APR and
Points |
Provantage Funding
Corp., Inc.
20 Solar Drive
Clifton Park, NY 12065
1-866-HOME609
www.ProvantageFunding.com | CALL
0 | CALL
0 | CALL
0 | CALL
0 | ***SHOP THE REST, THEN CALL THE BEST!!! NO "middleman" BROKER fees! Building a home? Call about our NEW 270 day rate lock... It's FREE! Also NEW, 15% down with NO PMI...CALL for the money saving details.
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Rochester Home
Equity, Inc.
610 Wilder Building,
Rochester, NY 14614
(800) 797-6669
E-mail | 5.875-5.90
0 | 5.125-5.15
0 | 3.125-3.96
0 | N/A
N/A | Very competitive closing costs. Commitment letter issued within 24 hours.
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SEFCU
700 Patroon Creek Blvd.
Albany, NY 12206
(518) 452-8183
E-mail | 6.50-6.50
0 | 6.00-6.00
0 | 5.25-5.25
0 | 6.375-6.89
0 |
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Sunmark
FCU
1616 Broadway
Schenectady, NY 12305
866-SUNMARK
www.sunmarkfcu.org
| 6.50-6.526
0 | 6.00-6.038
0 | N/A
N/A | N/A
N/A |
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TD Banknorth
343 Delaware Avenue
Delmar, NY 12054
518-439-4426
800-358-2651
E-mail
| 6.480-6.549
0 | 5.986-6.099
0 | 5.625-5.225
0 | 6.375-7.010
0 |
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Trustco Bank
3 Sarnowski Drive
Glenville, NY 12302
(518) 377-3311 | 6.25*-6.25*
0 | 6.125*-6.125*
0 | N/A
N/A | N/A
N/A | CONDO AND 40-YEAR FINANCING NOW AVAILABLE! 10-MONTH FREE RATE LOCK ON NEW CONSTRUCTION LOANS. CALL ANY BRANCH FOR DETAILS. *Rate applies to customers who have a Trustco deposit account with auto charge. |
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Vista Home Funding
480 Broadway, Suite 206
Saratoga Springs, NY 12866
(518) 583-3343
(877) 226-7020
E-mail | 6.00
0 | 5.625
0 | 4.975
0 | N/A
N/A | Submission Sunday - Submit an online application at www.VistaHomeFunding.com and be eligible for application, credit and appraisal fee waiver. Registered Mortgage Broker, NYS Banking Department. Loans Arranged with Third Party Providers.
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Rates are as of 2/27/08 and are subject to change without notice. APR stands for Annual Percentage Rate and is a 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. Call Eric Roberts at 454-5527 to advertise in this directory. This rate information is available online all week at www.timesunion.com/crmls/. |
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