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Compare Home Mortgage Loan Options

When it comes to home financing, there are many different options to choose from. How do you find the loan that's best for you? Here is some information to help you compare our offerings.

Home Mortgage Options
Mortgage Loan Type	Key Features	Key Benefits
Adjustable Rate Mortgage (ARM) Apply Online	Lower initial fixed rate After the initial fixed interest rate period, the interest rate can vary	Ideal if you plan to be in the house for three to five years Ideal if your you expect your income to increase in the future
Fixed Rate Mortgage Apply Online	The monthly principal and interest payments remain the same throughout the life of the loan The longer the term of your fixed rate mortgage, the lower your monthly payments will be The shorter the term of your fixed rate mortgage will allow you to repay the loan faster and save more on interest costs, though your monthly payment will be higher	You don't have to worry about your mortgage payments increasing during the life of the loan
Construction End Loan Contact a Mortgage Originator	Permanent, long term rate-locked loan used to pay off the construction costs associated with building a new home The end loan pays off the costs of the project once the home is completed	Builder finances the construction project with their own funds You don't pay for the costs of construction until the house is completed
Construction Draw Loan Contact a Mortgage Originator	Finances the building of the home During the draw period the lender makes payments to the builder as the stages of the home are completed Upon completion of the end of the draw period (6 months on USDA loans and 9 months on all others), the borrower will pay full principal and interest payments If the borrower has escrow for private mortgage insurance, taxes, or insurance, this will also be required during the entire loan.	You only have to make interest-only payments during the draw period on the disbursed funds Payments are made directly to the builder from the lender
FHA Fixed Rate Loan Apply Online	Insured by the Federal Housing Administration Borrowers must pay for mortgage insurance Can finance up to 96.5% of the home	Lower fixed interest rates More flexible qualification requirements
VA Mortgage Loan Apply Online	Eligible Veterans or Active Duty Military 620 Minimum Credit Score 1-4 Family Owner Occupied Primary Residences (Manufactured Homes excluded) Must Escrow Taxes and Insurance	100% LTV for qualified borrowers Seller Concessions of 4% of value as indicated on Notice of Value Fixed Rate Term options available
State Housing Programs Visit here for more information NYS Customers Contact a Mortgage Originator	SONYMA's Achieving the Dream Mortgage Program (NYS) SONYMA's Low Interest Rate Program (NYS)	Ideal for low-moderate income families Lower down payments Lower interest rates
Home Equity Line of Credit Learn More Apply Online	Secured by a primary or junior lien on your home Up to 80% LTV During your draw period, borrow funds at a variable interest rates, repay them and borrow again	Can be utilized as a revolving source of funds for your ongoing needs Minimum of $10,000 Maximum of $250,000

Mortgage Rates

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What Can I Afford?

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Mortgage Process

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