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First-Time Homebuyers

We want your first mortgage to be a successful homeownership journey, so we go above and beyond to make sure we have the right mortgage for you. Our mortgage consultants partner with you throughout the entire mortgage process so that you have the benefit of expert financial advice at every step of the way. As a first-time homebuyer, you may qualify for special loan terms, such as a 3 percent down payment on the sale price of your home. This way you can experience the many emotional and financial benefits of being a homeowner sooner rather than later, while maintaining financial flexibility.

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  • As low as a 3 percent down payment
  • Easier monthly payment
  • Flexible financing
  • Finance up to 97% of your home’s purchase price


Mortgage is subject to credit and property approval.


Click here to see our current mortgage rates. >
To learn more, please call our Residential Lending Department at (518) 584-5844 or .

Helpful Calculators

Here are some useful calculators to help you with your mortgage financing: