Skip to Main Content

Our Location
4 Winners Circle
Albany, NY

Apply for a Loan
Log In

Apply for a Loan
Log In

Products
Education Center
Servicing

Log In
Apply for a Loan

Log In
Apply for a Loan

Products

Pre-Qualification
Types of Mortgages
Purchase a Home
Refinance Existing Loan

Education Center

First-Time Homebuyer
Buying Process
Blogs
Calculators

Servicing

Manage Your Mortgage
Existing Mortgage FAQs
Questions on Your Mortgage

About Us

Who We Are
Meet the Team
Have a Question?

CAP COM 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

Home
Purchase & Refinance
Meet the Mortgage Team
Nicholas Baratto Apply

Nicholas Baratto, AMP

Mortgage Originator
NMLS# 1392603

Contact Information:

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

Back to Mortgage Team

Nicholas Baratto

CAP COM 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

About Us

Why Choose Us
Meet the Team
Contact Us
Office Hours & Location

Resources

First-time Buyer
Buying Process
Calculators

Support

Mortgage Process FAQs
Mortgage Servicing FAQs
Privacy Policy
Fees & Penalties

About Us
Resources
Support

ˆClick any topic of interest to view terms and disclosures.

Copyright © 2024 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.