Get Moving with David Fay

Mortgage Originator

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David Fay

Mortgage Originator
NMLS #480677

Saratoga Springs & Glens Falls

295 Broadway
Saratoga Springs NY, 12866

518-588-6960 (Office)

Use the link below to get started on your Home Financing application or check the status of a submitted application.


Business Hours
Monday through Friday – 8:00 a.m. to 5:00 p.m.

I have lived in Saratoga Springs since 1997 and have been a Mortgage Loan officer since 2001. I enjoy helping borrowers with all their financing needs. Whether you are buying your first home, building your dream home or improving or refinancing your current home, I am always available to answer your questions. Please call me today to discuss all the options NBT can provide.


Ready to Apply?

Please Have These Items Ready

  1. Current and Previous Addresses (2 years)
  2. Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
  3. Current and Previous Employment Information and dates (2 years)
  4. Sources and income amounts for all borrowers
      a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
      b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
      c. If retirement income, award letter, 1099 or equivalent documentation
  5. Bank Account Statements (2 months)
  6. Current monthly housing expenses such as rent and mortgage payments
  7. Property address and Estimated Market Value for properties you own, including taxes & insurance
  8. If working with a real estate agent, their name, company and phone number

Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.