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Introducing the USDA Guaranteed Rural Housing Program.  BSNB provides homeownership opportunities to rural Americans through a loan guarantee program with the USDA (United States Government Department of Agriculture).   Income and property eligible applicants receive 100% financing with no down payment or minimum borrower contribution requirements.   Contact us today to see if this program may be the right fit for you!


Purchasing a new home? Congratulations on your decision to buy a new home! We offer a variety of products from a 30 year bi-weekly mortgage to home equity products. See our Rates and Programs page for more information.
Applying for a loan? Our online application is conveniently designed to allow you to pause at any time and then pick up where you left off. After you submit an application, you can check loan status at your convenience.
Building your dream home? If you are planning on building your home - be it a modular or stick built - you can contact one of our Loan Officers who will help find the right loan for you.


Ballston Spa National Bank (BSNB) NMLS #463976
990 State Rt 67, Ballston Spa, NY  12020
Direct:  (518) 363-8107
Office:  (518) 885-6781 Ext. 8107
Copyright © 2015 Ballston Spa National Bank (BSNB) Your bank. Your way.
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