Mortgages and Home Equity
Homebuyer Privileges
BSNB has partnered with Genworth Financial to provide our borrowers with a program of discounts, rebates, and special offers that will save money and help with the expenses of home ownership. Along with providing rebates for major appliances, borrowers will also be able to receive discounts on:
- Home improvement materials and supplies
- Home security systems
- Truck rentals
- Home furnishings, electronics, window blinds, pet supplies, and more
When you work with a BSNB mortgage originator to purchase a home or refinance your existing home, you will receive instructions for accessing the discounts. To view participating retailers, and log in with your Lender Participation Code and Homebuyer Privileges ID, please click here.
Mortgages
Ballston Spa National Bank is committed to seeing you in your new home! You'll love our low minimum down payments.
We offer a variety of programs that can fit almost anyone's needs:
- Conventional
- FHA
- Fixed and Variable Rates
- Second Mortgages
- Home Equity Lines
- Refinance or Purchase
- Investor Loans
- Jumbo Loans
- Construction Loans
Home Equity Line of Credit
- By using the equity in your home, you can help finance most anything, from that new addition to your child's education.
- Great for multiple borrowing needs over a period of time - without reapplying.
- Access your line of credit by writing a check.
- Low monthly payments are based on your outstanding balance.
Home Equity Loan
- A one-time specific-use loan perfect for purchasing a new car, a dream vacation, or anything else you need or want.
- Fixed monthly payments are easy to budget.
Fixed Choice Home Equity Line of Credit
- This unique fixed rate line of credit gives you the flexibility of borrowing money as you need it without the worry of rising rates.
- Make interest-only payments and borrow as you need to during the initial access period.
- After the initial access period is over, pay off your loan using a term that you previously selected.
- Enjoy peace of mind knowing what your interest rate is, and will be, over the entire life of the loan.
Flex Choice Home Equity Line of Credit
- This new line of credit comes with all of the benefits of a traditional home equity line of credit but also provides the option of making interest-only payments during the initial access period.
- Choose from a variety of terms for the line that fits your needs.
If you would like more details, please contact an experienced
mortgage originator by calling 363-8107
