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

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Mortgage Center

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and your information will be reviewed for approval.
  3. An Adirondack Trust Company Mortgage Consultant will follow up with you to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Consultants are only a phone call away if you need help. Please contact us at 518.584.5844.

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Construction

Building your dream home doesn't have to be just a dream. We have construction loan programs that will make it a reality.

Home Equity

Put your home to work for you with a home equity loan or line of credit.

Home Equity Line of Credit Interest Rate/APR: 2.990% for the first 12 month(s), then Prime Rate as published in the Wall Street Journal + 0.000% (currently 3.250%), subject to change.

Lending Area

Geographic Lending Area includes the following municipalities located in Mid to Northern Saratoga County and Southern Warren County:


  • Ballston
  • Ballston Spa
  • Corinth
  • Gansevoort
  • Glens Falls
  • Greenfield
  • Lake George
  • Malta
  • Milton
  • Moreau
  • Queensbury
  • Round Lake
  • Saratoga Springs
  • Schuylerville
  • South Glens Falls
  • Stillwater
  • Wilton

If property is located outside these areas please call a Mortgage Consultant at 518-584-5844.

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Today's Rates

Conventional
30 Year Fixed Rate
Rate APR Points
3.950% 3.960% 0.000%
15 Year Fixed Rate
Rate APR Points
3.200% 3.220% 0.000%
5 Year Adjustable Rate
Rate APR Points
3.250% 3.090% 0.000%
Home Equity
15 Year Fixed Home Equity Loan
Rate APR Points
6.490% 6.490% 0.000%
Home Equity Line of Credit
Rate APR Points
3.250% 3.250% 0.000%

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