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Mortgage Loans

Whether you are purchasing or refinancing, our team of experienced mortgage professionals will help determine your best options. With local decision making, you'll get prompt approvals. Our team is here for you throughout the process. Contact us at (585) 427-9200 or via email

 

Conventional Mortgages

The standard of mortgage lending, conventional mortgages are best suited for buyers with high credit scores and, typically, higher amounts available for a down payment. Fixed rate mortgages are best if you are planning to stay in your home for the long term. For the lowest possible initial rate, or if you are planning to move or refinance in a few years, an adjustable rate mortgage (ARM) is a better option. 

  • For primary homes or investment properties (1-4 units)
  • Cash out refinance available
  • Loan terms between 10 - 30 years
  • Down payments can be as low as 5%
  • Seller's concessions are dependent on down payment 

 

Conventional Plus

With low down payment requirements, help with closing costs, and flexibility with credit scores, a Conventional Plus mortgage is a good option for first-time homebuyers. 

  • Down payments as low as 3%
  • 3% seller's concessions help pay your closing costs
  • Down Payment Assistance Loan of up to 3% of the home's purchase price or $3,000, whichever is less

 

Jumbo Mortgage

If you are planning to purchase a larger, more expensive home, you'll want to consider this special mortgage. Buyers must have strong credit scores and be able to afford larger down payments. 

  • Financing for loans of $417,000 or more
  • Fixed and adjustable rate options
  • 20% down payment required

 

FHA Mortgages

Federal Housing Authority (FHA) loans are federally insured, and their low down payment requirements allow greater flexibility for buyers who may not meet conventional loan guidelines. 

  • Fixed and adjustable rate options
  • Minimum down payment of 3.5%
  • Up to 6% seller's concessions to help pay your closing costs
  • Allows gift funds to cover down payment and closing costs
  • Primary residence only, but multi-family homes eligible
  • Streamlined refinance available

 

VA Mortgages

Available to active duty and retired servicemen and women, Veterans Affairs (VA) loans are federally insured, giving borrowers access to favorable terms. 

  • 100% financing available for eligible veterans
  • Low or no down payment
  • Primary residence only
  • Fixed or adjustable rate options
  • Sellers can pay up to 100% of closing costs
  • No required Mortgage Insurance premiums

 

USDA Mortgages

If your house is in a designated rural area and your income falls within certain limits, a U. S. Department of Agriculture (USDA) loan can help your family purchase a home.

  • 100% financing for qualified applicants
  • Up to 6% seller's concessions to help pay your closing costs
  • Lower Mortgage Insurance requirements than Conventional or FHA loans
  • Primary residence only

 

Construction Loans

If you are building a home and need financing throughout the construction process, we can help. Call us for details. 

  • Long term rate lock available