Home Mortgage Refinance

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 pricing by visiting our rates page. You can always talk with a representative if you have questions by clicking 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.

Find out how much mortgage you can afford
Calculate your monthly mortgage payment
Compare the costs of renting vs. buying

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 and above. 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