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Albany, NY

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15-year Fixed
as low as
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FHA 30-year Fixed
as low as
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Meet the Mortgage Team
Nicholas Baratto Apply

Nicholas Baratto, AMP

Sales Manager
NMLS# 1392603

Contact Information:

Office: 518-783-1234 Ext. 1418608
Cell: 518-605-1176
nbaratto@homeownersadvantage.com

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Nicholas Baratto

Product Rates

30-year Fixed
as low as
% RATEˆ
% APRˆ
(45 Day Rate Lock)

View Details

20-year Fixed
as low as
% RATEˆ
% APRˆ
(45 Day Rate Lock)

View Details

15-year Fixed
as low as
% RATEˆ
% APRˆ
(45 Day Rate Lock)

View Details

FHA 30-year Fixed
as low as
% RATEˆ
% APRˆ
(45 Day Rate Lock)

View Details

View All Rates

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Copyright © 2025 Homeowners Advantage
Licensed Mortgage Banker
NYS Department of Financial Services
Principal Address: 4 Winners Circle, Suite 202, Albany, NY 12205
NMLS Identifier: 309847

Homeowners Advantage is a licensed servicer with the NYS Department of Financial Services. Complaints or requests for further information regarding Homeowners Advantage may be directed to the NYS Department of Financial Services by visiting the Department's website at www.dfs.ny.gov or by calling the Department's Consumer Help Unit at (800) 342-3736.

Please direct any inquiries or complaints in relation to your mortgage to Homeowners Advantage at 4 Winners Circle, Albany, New York 12205, email inquiry@homeownersadvantage.com, or by calling the Mortgage Servicing Department at (518) 690-2232 option 5 or toll free at (877) 266-7722 option 5.

Third Party Link Disclaimer: Linked websites are not under the control of Homeowners Advantage. We are not responsible for the content on the site and its privacy and security policies may differ from ours. We represent neither you nor the third party in the event that you enter into a transaction.

Attention: From May 1 to May 6, you will not have access to your mortgage account information, including history, balance, and payoff. Payments scheduled between May 1 and May 6 will post on or around May 7. No late fees will be incurred during this transition.

On May 7, you will access a new mortgage servicing portal. While the mortgage portal will look different, you will be able to make payments and manage your mortgage like you have always done.