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First Time Home Buyer Program*

Tired of renting? Need more space? Want the freedom and benefits of
owning your own home?


Recognizing that it’s the down payment, NOT the monthly payment that often restricts qualified applicants from buying a home, BSNB offers a mortgage loan program exclusively for FIRST TIME HOME BUYERS.

This community loan program allows qualified applicants to purchase a single-family, owner-occupied home with a smaller down payment than traditional financing options allow.


Program Features

  • 97% financing
  • Gifts or grants accepted
  • 3% seller concession allowed
  • Any BSNB mortgage product applies
  • No income limitations
  • Available throughout greater Saratoga County

If you haven’t previously owned a home and want complete details, including step-by-step application guidance, inquire at any branch office or contact one of our experienced loan counselors:

  • Mark Foley —518-363-8116
  • Suzanne Ricci—518-885-6781

*All loans are subject to credit application and approval. The maximum loan amount is $300,000 with geographic limitations.

Member FDICEqual Housing Lender