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Fixed-Rate Mortgage

When you choose a fixed-rate mortgage, your interest rate, as well as your interest and principal payments, will remain the same for the life of the loan. Enjoy a consistent monthly payment that makes managing your monthly budget easier. This loan is also protected from rising interest rates, giving you peace-of-mind. We offer a variety of fixed-rate mortgage options. Our knowledgeable mortgage consultants will guide you through the mortgage journey.

We can guarantee your interest rate when you choose to lock in your rate. You may lock in your interest rate at any time from the time you are approved, up to 60 calendar days before your scheduled mortgage closing.

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