Looking for a home mortgage in Albany, NY or Albany County? This diverse area offers a unique blend of city, town and country. Bounded on the east by the Hudson River and on the north by the Mohawk, the county offers a little something for everyone, with real estate ranging from urban chic to village quaint. Some of the more popular locales include the towns of Bethlehem, Colonie, Guilderland and New Scotland as well as the cities of Cohoes and Albany — New York’s Capital.
Maple Tree is licensed to originate loans throughout New York and can review your finances and home ownership goals to help you discover the right options for you. We then shop your mortgage around to find you the most competitive rate on the market, whether it’s a fixed-rate mortgage, a government-sponsored loan or a non-conforming mortgage.
To find out more about loan and mortgage options in Albany County, contact Maple Tree for a free consultation to help you understand your options and which mortgage option will be best for you.
A benefit of the county’s geographic diversity is that USDA loans might be an option, depending on location and eligibility requirements. Albany County’s USDA Mortgage Eligibility is dependent on where the home is located.
The ineligible area of Albany County includes all that area beginning at a point where State Highway 9 intersects with the Albany and Saratoga County.
Following the Albany/Saratoga County line in a south and easterly direction and continuing along the Hudson River to the most southern point of the City of Albany. Proceed in a northerly direction along the City of Albany border to a point where it intersects with County Route 144. Thence westerly along the road that joins the Delmar By-Pass, thence west along the Delmar By-Pass to a point where it intersects Elm Avenue. South on Elm Avenue (County Route 32) until it intersects with Feura Bush Road (which is also County Rt. 32).
Southwest on Feura Bush Road to the Town of New Scotland Town line; thence north and westerly along the Town of New Scotland town line to a point where it intersects with the Albany and Susquehanna Railroad. West along the rail line to a point where it intersects with Font Grove Road, thence north to a point where Font Grove Road intersects with Krum Kill Road. West along Krum Kill Road to a point where it intersects with Normans Kill Road, thence northeasterly along Normans Kill Road to a point where it intersects with Wormer Road. Proceed in a northwesterly direction along Wormer Road to a point where it intersects with Ostrander Road, thence northerly to a point where Ostrander Road intersects County Road 146.
Proceed westerly along County Road 146 to a point where it intersects County Road 158, thence north along County Road 158 to a point where it intersects the Schenectady/Saratoga County Line. Follow the Schenectady/Saratoga County line easterly to the point of beginning.
Available to qualifying veterans, service members, and their spouses, Veterans Affairs (VA) mortgages often get you more favorable terms than conventional mortgages. The first step to obtaining a VA mortgage in Albany County is to determine if you’re eligible to participate.
Looking to refinance your Albany mortgage? Whether you have a better credit score than before or you want to change the type of mortgage you have, there are plenty of home refinancing options available in Albany county.
Shopping for homes in Albany County? Or are you considering refinancing your Albany NY home? Our Albany NY mortgage calculators can can assist future and current homeowners by estimating payments and loan terms for a number of different financial scenarios.