Ask us how to save each month with a mortgage refinance.

Now is a great time to refinance your existing mortgage with a new one to get a lower rate or monthly payment. See all of our current product rates by visiting our See all rates. You can always talk with a representative if you have questions by click the talk to a representative button or calling 518.783.2211. **Certain terms and conditions may apply see information below.

Our mortgage calculators make math easy.

How much mortgage can I afford? Should I rent or own? How much will my monthly payment be? Use our mortgage payment calculators to get answers to these questions.
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Learn about our affordable home equity loans.

Do you already own a home and need a loan? Learn how you can use the equity you have in your house to borrow for home improvements and large purchases through a home equity line of credit or loan.
Learn more about home equity loans 

**APR= Annual Percentage Rate. Fixed rates will be subject to change daily. Minimum score to qualify 675, 80% LTV maximum, owner occupied, DTI 43% max. ***The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $135,000 and an estimated property value of $225,000. The property is located in Albany, NY and is within Albany county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.875% interest rate, the APR for this loan type is 3.969%. The monthly payment schedule would be: 239 payments of $809.21 at an interest rate of 3.875% 1 payment of $808.89 at an interest rate of 3.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums. Owners Choice NMLS Identifier: 56538