Mortgages and Home Equity
Mortgages
Ballston Spa National Bank is committed to seeing you in your new home! You'll love our low minimum down payments. Plus, you'll always have a local BSNB employee that can provide information or help should you need it - from the day you apply to the day you pay off your loan.
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
NEW! 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.
NEW! 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.
Equiline - 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.
Equiloan - 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.
If you would like more details, contact one of our experienced loan counselors:
- Mark Foley —518-363-8116
- Suzanne Ricci—518-885-6781
