Let our mortgage program and professionals work for you!

Why choose us?

  • Flexibility – With a quick and easy application process, we’ll accommodate your schedule at your convenience.
  • Experienced – We understand each person’s situation is different and we’ll work with you to see how our bank can meet your needs.
  • Local – All decisions are made by hometown community leaders.
  • No Excess Fees – You do not pay points, application, credit bureau, or inspection fees that drive up your closing costs with other lenders.
  • Always Available – Your mortgage is not sold to third party investors. We’re available for the life of the loan to address any question or need you may have.
  • Single Close Construction Loans- You pay one rate throughout the construction period and permanent financing.
  • Curbside Funding for Modular Homes – Available when the home is delivered to your site.

Which product works for you?

  • New Home Purchase
  • Residential New Construction: including stick build, modular, double wide, panelized, mobile homes with land, log homes
  • Home Improvements: both lines of credit and loans
  • Refinancing
  • Vacation Homes
  • Home Equity Lines of Credit/Loans
  • Condos
  • Commercial New Building Projects
  • Commercial Rehabilitation Projects

We’ve lowered our rates! Check the rate page for more details.

To better assist your planning efforts, we also provide you with an interactive Mortgage Loan Calculator* to illustrate what could be expected in potential circumstances.

Ready to get started? Fill out our convenient Online Form and submit your loan application today!

Listing of NMLS originator numbers.

To answer any questions or inquiries you may have please feel free to contact our Senior Loan Officer:

Name:   Mark Maraglio
Location:  Main Office
Phone 518-731-6161
*Information and interactive calculators are made available to you as self-help tools for your independent use. We can not and do not guarantee their accuracy or their applicability to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.