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Rates
BSNB offers a variety of mortgage programs and home equity lines and loans to choose from. Please call on us (518-363-8107) to help you determine the best option for your unique needs. We're available Monday - Friday between 8:30am and 5:00pm with additional hours by appointment. All loans are subject to application and approval and must meet underwriting and credit requirements. Rates will depend on individual credit history,and specific loan transaction underwriting requirements. Loans may be subject to escrow requirements which may cause your payments to vary.    Other fees and conditions may apply. Other rates and terms are available.
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Program Name Rate APR Payment  
30 Year Fixed (Conforming) 4.250% 4.341% $0.00
20 Year Fixed (Conforming) 3.875% 4.017% $0.00
15 Year Fixed (Conforming) 3.375% 3.551% $0.00
 10 Year Fixed (Conforming) 3.250% 3.504% $0.00
Constr 30 Yr (Other) 4.375% 4.502% $0.00
Constr 20 Yr (Other) 4.000% 4.171% $0.00
Constr 15 Yr (Other) 3.375% 3.590% $0.00
5 YR H/E Loan (Other) 3.500% 3.500% $0.00
10 YR H/E Loan (Other) 3.950% 3.950% $0.00
15 YR H/E Loan (Other) 4.250% 4.250% $0.00
20 YR H/E Loan (Other) 4.500% 4.500% $0.00
 H/E 1st - 10Yr (Other) 4.250% 4.496% $0.00
 H/E 1st - 15Yr (Other) 4.500% 4.674% $0.00
= Special Program
Rates are subject to change without notice.
Rates last updated on 09/17/2014.
Ballston Spa National Bank (BSNB) NMLS #463976
990 State Rt 67, Ballston Spa, NY  12020
Direct:  (518) 363-8107
Office:  (518) 885-6781 Ext. 8107
BSNB.LoanOperations@bsnb.com
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