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

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Mortgage Consultants

Mortgage Consultants

Unlike many other banks or financial institutions, our definition of personal service means your mortgage application will be handled with care by only one mortgage consultant who is here when you need them.

Our mortgage consultants will work closely with you from your initial application until you finish closing on your home - providing you with a quick response to your application and at the fastest closing time possible.

Our consultants would be pleased to discuss closing costs and other steps in the mortgage process with you so you have a complete understanding as you start to make this major financial commitment.


Call today to make an appointment or email us.




Ives_Heidi-_webHeidi Ives
518-584-5844 (x) 2222

NMLS# 258607


Ms. Ives joined the Adirondack Trust Company in 2010 and is responsible for the overall management of the Residential Mortgage Department. Ms. Ives has recently relocated from Dallas, Texas where she has had over 17 years of  banking and residential mortgage lending experience. She owned her own boutique mortgage company and during that time hosted a mortgage lending radio talk show before joining the Adirondack Trust Company. Ms. Ives recently was selected for the 2012 class of Leadership Saratoga. Past volunteer work includes Habitat for Humanity, ASPCA and other charitable non-profit and fundraising initiatives. Ms. Ives is a graduate of Creighton University where she played Division I softball on a full athletic scholarship.



_Robertson-David-4x5Dave Robertson
518-584-5844 (x) 2221

NMLS# 731253


Mr. Robertson joined The Adirondack Trust Company in 1997 and is responsible for assisting with the overall management of the Residential Mortgage Department. Mr. Roberston has over thirty years of banking experience and over twenty years of residential mortgage lending experience. He started his career with a local bank after graduating from Albany Business College and continued his banking career in the area before joining The Adirondack Trust Company. Mr Roberston serves as a volunteer for the Shelters of Saratoga and the Alzheimer's Association of the Northeastern New York.




Ciprinao_Courtney_webCourtney Cipriano
518-584-5844 (x) 2225

NMLS# 812681


Ms. Cipriano joined the Adirondack Trust Company in 2010. She is responsible    for helping customers better understand the mortgage process and provides customized loan solutions to help meet their goals. She has been in banking for 5 years and has lived in Saratoga for her entire life. Courtney has volunteered for afterschool programs at local elementary schools as well as local food drives. She is currently working on completing her degree in finance.