Interest Rates As Low As:


As of  January 10, 2020

30 Year Fixed 3.625%

APR 3.722%


20 Year Fixed 3.375%

APR 3.507%


15 Year Fixed 3.000%

APR 3.164%


15 Year Home Improvement Fixed Equity 4.875%

APR 4.125%


Home Equity Line of Credit  4.750%


Please ask our Mortgage Loan Originators about all of our Mortgage Loan options!

 Example: 30 year fixed rate mortgage for $165,000 at 3.625% (3.722% APR) with 20% down payment the principal and interest payment is $752.74 per month. Taxes and Insurance not included, your actual payment obligation will be higher.

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Contact us directly and let us know how we can help you in your home buying or refinance process.

  • Loan Originators:






Address & Driving Directions:
41 South First Street, Fulton, NY 13069

Voice: 315-592-3171

Fax: 315-598-4980