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

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Refinance

Refinance Home Mortgages



Refinancing your mortgage is easy. We offer a variety of loan options to suit your needs and lifestyle. The repayment terms are up to 30 years with fixed, adjustable and bi-weekly programs. Our interest rates and closing costs are very competitive and our processing, underwriting and closings are smooth and efficient.

Refinancing your mortgage may make sense:

  • Save money.

Refinancing to a lower interest rate reduces the finance charges you pay over the life of the loan and helps to lower your monthly payment. Refinancing to a shorter-term mortgage reduces the interest you pay over the life of your mortgage. This option may result in a higher monthly payment, however your house will cost you less and you will own it faster than you would if you keep your longer-term mortgage.

  • Consolidate your debt.

If you have built equity in your home you may have the option to consolidate your high interest debt into one easier and lower monthly payment.

  • Convert your equity to cash.

Cash out the equity you have built in your home by refinancing your mortgage to a larger loan amount. This cash can be used to make home improvements, consolidate your debt, finance your child’s education, or for any other reason you choose.

Click here to see our current mortgage rates.

Here are some useful calculators:
Should I refinance?
How much will my fixed rate mortgage payment be?

For more information on the refinancing programs available, see our Home Financing Options.

To learn more please call our Mortgage Department at (518) 584-5844 or email us.

Mortgage subject to credit and property approval.