Home Loan Rates
HOME LOAN RATES

 

Call (518) 783-2211 or 1-888-783-2211 for more information.

EraseYourMortgage Loan
No closing costs except the mandatory NYS Mortgage Tax.
Minimum Loan is $50,000 and Maximum loan is $250,000.
Term (Months)
Annual Percentage Rate *
Monthly Payment
Per $1,000
Payment Calculator
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* Annual Percentage Rate.
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice.

 

FIXED RATE HOME EQUITY LOANS
No closing costs except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000.
Term (Months)
Annual Percentage Rate *
Monthly Payment
Per $1,000
Payment Calculator
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* Annual Percentage Rate on a loan in first position. Other rates are available. 
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice.

 

ONE YEAR ADJUSTABLE RATE HOME EQUITY LINE WITH A CONVERSION OPTION
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000.
Term (Months)
Annual Percentage Rate *
Payment Calculator
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The initial rate (introductory rate) is variable periodic rate for 12 months. After the initial rate (introductory rate) , the variable periodic rate is calculated using the prime rate as published in the Wall Street Journal plus a margin. The variable rate changes annually. The minimum rate (floor) is 4.00%. The lifetime rate cap is 18%. There is a ten-year draw period with a 15-year repayment period. The current Annual Percentage Rate is 2.99%. After your first anniversary, you may convert any portion of the balance to a Fixed Rate Home Equity. Your rate will depend upon your credit history. Rates are subject to change without notice.
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice.

 

THREE YEAR ADJUSTABLE RATE HOME EQUITY LINE
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000.
Term (Months)
Annual Percentage Rate *
Payment Calculator
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*Variable periodic rate adjusts every three years and is calculated using the Prime Rate as published in the Wall Street Journal plus or minus a margin. The floor, (the lowest the Annual Percentage Rate will be) is 4.75%. The lifetime rate cap is 18%. There is a six-year draw period. Your rate will depend upon your credit history. Rates are subject to change without notice.
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice.

Your interest cost may be tax-deductible. Consult your tax advisor for more information.
CLICK HERE FOR CURRENT MORTGAGE RATES

Call (518) 783-2211 for more information.