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Loan Programs

 New - USDA Guaranteed Rural Housing Program

Are you looking at a rural property?  Income and property eligible applicants receive 100% financing with no down payment or minimum borrower contribution requirements.   Please contact us to see if you qualify for this program. 

Fixed Rate Mortgages

A Fixed Rate Mortgage offers the security of a fixed interest rate as well as constant monthly principal and interest payments for the life of the loan.

  • 10, 15, 20 & 30 Year Amortizations
  • Conforming¹ and Jumbo loan sizes
  • Bi-weekly programs
  • Purchases & Refinances

Adjustable Rate Mortgages²

An Adjustable Rate Mortgage (ARM) typically offers a discounted initial rate fixed for a specific period of time.  After the initial period expires, your interest rate would be subject to adjusting annually thereafter. 

  • 30 Year Amortization
  • Conforming¹ and Jumbo loan sizes
  • Purchases & Refinances

Construction Lending:  Draw Loans and End Loans

Are you looking to build your dream home?  BSNB offers a variety of options in New Construction lending.  Talk to one of our Loan Officers to discuss all the different options that we have to help you achieve your dream.

  • Stick Built and Modular Homes
  • Draw Loans and End Loans
  • Rate locks for up to 270 days³
  • Builder approval is required for Draw Loans

Home Equity Lines & Loans

BSNB’s Home Equity programs are a great way to finance home projects, vacations, and more.  Our Home Equities are offered in a variety of products allowing you to borrow up to 85% of the equity in your home (The amount you can borrow would be determined by using 85% of the appraised value of your home, less your current first mortgage balance.)

        Home Equity Loans

  • Amortizations of 5, 10 and 15 Years
  • No closing costs up to $100,000**
  • Ability to make payments easier with auto-deduction from a BSNB account

        Home Equity Lines of Credit***

  • Offering Variable* and Fixed Rates
  • Terms up to 20 Years
  • No closing costs up to $100,000**
  • Ability to make payments easier with auto-deduction from a BSNB account

 See our Rates page for additional information on these products.

All loans are subject to application and approval and must meet underwriting and credit requirements.  Loans may be subject to escrow, which may cause your payment to vary.  Other fees and conditions may apply.  Rate locks and other terms may be available, please contact us for more information at 518-885-6781.  See our Rates page for additional information regarding these products.  

Don't forget to check our Specials Page for more programs and special offers from BSNB!

¹Conforming loan size for a Single Family Dwelling is $417,000.

²APR may vary or increase after consummation.  See our Rates page for more information

³Additional costs may apply for extended lock periods.  Speak to one of our Loan Officers for specifics regarding long term lock periods.

 **If the home equity loan or home equity line of credit is closed for any reason within the first three years, your repayment amount will include reimbursement to BSNB for all of the third party fees and charges paid on your behalf at closing.  Third party fees generally total between $200.00 and $1,500.00 but may vary.

*** Please contact your Loan Officer for pricing and other details on our Home Equity Lines of Credit.

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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