*Rates are posted twice a day (AM and PM) and are subject to change without notice.
For non-owner occupied rates please call 518-464-5357.

For cash out refinances with loan-to-value ratios between 70.01%-80% that qualify, add .50 to the points quoted above.

Minimum downpayment is 5%, unless applying for Alt'97 which is 3%.

Both Conventional and Alt'97 loan rates can be locked for 55 days at any time from application, up to 3 days prior to closing.