First Rate Funding Home Mortgages
The Capital District is a wonderful area to buy a home and raise your family. Our mortgage staff live and work in the Albany New York area and would like to welcome you by helping you choose the right home loan mortgage program for you and your family. We have a personal approach to mortgages, we like to sit down and help you understand the whole process from your loan applicatoin to closing. Never hesitate to call us, we are here to help.
Please take a look at the variety of home buying solutions we offer below.
Mortgage Programs We Offer
- Conventional Mortgages »
- Conforming Loans »
- Non-Conforming Loans»
- Jumbo Mortgages »
- FHA Mortgages »
- VA Mortgages - Active Duty & Military Veteran »
- First Time Home Buyer Mortgages »
- Home Equity Loans »
- Home Equity Lines of Credit »
- Fixed and variable rates
- Purchase loans with up to 6% seller concessions allowed
- No income/No asset verification loans
- Investor loans
- Previous or current bankruptcy or foreclosure
- High debt to income ratios
- Debt consolidation
- Cash out refinances
- First, second and home equity loan mortgages
- Investor cash outs
- 100% + financing on purchase
Other Non-Conforming or Expanded Criteria Loans
Mortage Refinance »
There is not better time to refinance your home mortgage than today. With historic mortgage interest rates you can save thousands of dollars and reduce your monthly payments, or pay off your mortgage early. Did you know that one extra payment per year can reduce a 30 year mortgage by almost 10 years? We have a wonderful group of dedicated mortgage brokers at our Albany Mortgage office and our Saratoga Springs Mortgage office. Read more about our mortgage refinance programs. Anytime you are ready or just have a question call us at (518) 452-4700.
Home Equity Loans & Lines of Credit
Are you looking to remodel you home, pay off high interest credit card debt or need some extra cash for educational expenses for your son or daughter? Whatever the circumstances there are a many excellent reasons for you to take advantage of the great home equity rates that are available today. We offer both Home Equity Loans and flexible Home Equity Lines of Creadit or HELOC. We will help you choose which is right for you, call our Albany Mortgage office at (518) 415-4700.
Property Types We Service
Many home loans carry restrictions depending on the type of property you plan to buy. Here at First Rate Funding Corp we want to offer you the best services possible so we specialize in offering home mortgage solutions for the following property types.
- 1 to 4 Family residential
- Multi-family (over 5 unit) residential
- Mixed use properties
- Commercial
- Second or vacation homes
- Rural properties
- New construction end loans
- Construction to permanent financing