cforms contact form by delicious:days

Our most popular product today is the New York USDA Home Loan (or Refinance). These loans are perfect for moderate income families because there can be no closing costs and no down payment!

No Down Payment? No Closing Costs?

Yes, it’s true. The New York USDA Home Loan provides financing for the purchase of your new home and…

You may also be eligible to finance…

• the purchase price
• the down payment
• AND some or all of the closing costs!

And you save monthly!

Since there is no monthly mortgage insurance, you will be able to borrow more and move into a nicer home because you will be paying less each month.

Serving Warren, Washington, Saratoga, Albany, Rensselaer, Schenectady, Schoharie, Fulton, Franklin and Hamilton County

At Saratoga Mortgage, We Are Committed To Your Needs

Customers First

Our goal is to make the loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service, and appreciate the opportunity to earn your business.

Whether you want to refinance for a lower mortgage rate, get a new home mortgage, home equity loan or second mortgage… our purpose is to satisfy your needs.

Get Fast Answers

At our website you can find tools available to answer virtually any mortgage question.

• Trying to decide if now is a good time to refinance? Check out our Refinance Mortgage Calculator.
• Wondering if a new home equity loan or second mortgage can lower your monthly payments? Use our Debt Consolidation Mortgage Calculator!
• Confused by all the loan programs from which to choose? Our Loan Program page will help you find the right type of loan for you.

Also, we’ll be happy to prepare a personalized mortgage quote for a USDA Home Loan or the home mortgage program of your choice.