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473 Broadway Saratoga Springs, NY 12866
Phone: 518-584-5844

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Mortgage Options

  • Flexible

  • Tailored to your goals

  • Competitive mortgage rates & terms

Home Financing Options

Mortgage Options for Buying Homes in Saratoga Springs, most of Saratoga and Warren Counties

Fixed Rate Mortgages

Fixed rate mortgages have a guaranteed rate for the term of the loan. This means both your interest and principal payments and interest rate will remain the same for the life of the loan, giving you peace-of-mind of knowing your monthly payment. We offer a variety of fixed rate mortgage options from which you can choose.

Please take the time to view our current mortgage rates on fixed rate mortgages.

We can guarantee your interest rate when the rate is locked in on the loan. You may lock in your interest rate at any time from the time you are approved up to 60 calendar days prior to your mortgage closing.


  • Guaranteed rate for term of your loan
  • Fixed monthly payment
  • Protection from rising interest rates

Here are some useful calculators to help you with your mortgage financing:
How much will my fixed rate mortgage payment be?
How much will I save by increasing my mortgage payment?

Adjustable Rate Mortgages (ARM)

ARMs allow you to take advantage of competitive, variable interest rates. They offer an initial low fixed rate based on the term you select, then adjusts based on the term you have chosen. Periodic rate caps guarantee the maximum allowable increase or decrease when the rate changes, and a lifetime cap determines the maximum allowable increase in the rate over the life of the loan.

Please take the time to view our current mortgage rates on Adjustable Rate Mortgages.


  • Set principal and interest payments for an initial period of time
  • Lower initial monthly payments for a period of time

These calculators are good resources to use when looking at an adjustable rate mortgage:
How much will my adjustable rate mortgage payments be?
How much will I save by increasing my mortgage payment?

First-Time Homebuyer’s Mortgage

We offer First-Time Homebuyer Programs to qualified individuals with as low as a 3% down payment. To learn more please give us a call.

Mortgage subject to credit and property approval.