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Small-Intro-Buy-a-Home

Purchase

Pre-qualify online in minutes.

Find out how much you may be able to borrow. It's fast and free, and it won't affect your credit score.

Purchase

Pre-qualify online in minutes.

Find out how much you may be able to borrow. It's fast and free, and it won't affect your credit score.

Mortgage Options

Great rates are just the beginning. The mortgage experts at Homeowners Advantage live and work in the Capital Region and are here to help you every step of the way!

Fixed-rate loans for predictable payments. Finance up to 95%.

Financing for investment and multi-family properties.

FHA loans with low down-payment options. Perfect for first-time homebuyers or those with less-than-perfect credit.

VA loans for service members and veterans allowing for up to 100% financing off the appraised value.

USDA Rural Loans allowing for up to 100% financing off the appraised value. Income and property limitations apply.

Jumbo loans greater than $417,000 up to $1 million with predictable monthly payments.

The State of New York Mortgage Agency (SONYMA) offers programs to assist first-time homebuyers.1

Keep your mortgage close to home with local appraisal, underwriting and servicing.*

Know Before You Owe. How will the new changes to mortgage disclosures affect you?

What to Do:

Before you shop for a home

After you find a home

Have questions?

Today's Mortgage Rates

30-YEAR
FIXED
(Conforming)

Rate
3.875 %

APR
3.990 %

15-YEAR
FIXED
(Conforming)

Rate
3.250 %

APR
3.445 %

30-YEAR
FHA
(Fixed)

Rate
3.750 %

APR
4.909 %

Calculate your monthly payment based on these rates.
(Rates are current as of 4/15/16 and are based on some standard assumptions as described below)

*While many Mortgages are serviced locally there may be instances where this is not the case. Our Mortgage experts can provide you with the information regarding the servicing of your particular loan.
1. SONYMA's first-time homebuyer requirement is waived for eligible US military veterans and applicants who purchase a home in a Federally-designated Target Area.