Home Mortgage & Refinancing Serving Locations Throughout New York State
Call us Today: 518-782-1202

Rensselaer County NY Mortgages & Home Loans, Including USDA Loans and Refinancing Options

Rensselaer County in the Capital District is bounded by the Hudson River on its west and the states of Vermont and Massachusetts on its east, offering both urban and rural living to its many residents and potential homeowners.

There are two cities in the County: the larger is Troy to the north of Albany, and the smaller is Rensselaer, directly across from Albany. Traveling east from these metropolitan areas, you soon find yourself amid smaller towns and villages, as well as more rural landscapes. This offers a wonderful opportunity for those homeowners who wish to be near the many businesses, attractions and events one can find in a city, but still enjoy a quieter or more rustic environment at home.

An additional benefit is that many of these outlying areas are eligible for USDA mortgages, a government-backed loan that offers significant benefits for those who qualify, including competitive interest rates and no money down. Communities located in this area include Averill Park, Hoosick Falls, Poestenkill, Sand Lake and Schaghticoke.

Maple Tree Funding can work with you to help you discover which mortgage and refinancing options are available to you, based on location and your personal financial profile. We work with dozens of lenders to help you find the most competitive rates, whether that’s for fixed-rate mortgages, government sponsored loans or non-conforming loans.

To check a specific address within Rensselaer County to determine its eligibility for a USDA loan, please click here. Or, you can read the information below. Prefer to talk to someone in person? Give Maple Tree a call at 518-782-1202 or contact us and ask us to give you a call a time that works best for you. We look forward to helping you refinance or purchase a home.

USDA Mortgage Eligibility in Rensselaer County

The ineligible area of Rensselaer County includes all that area beginning at the southwest corner of the Town of East Greenbush. Northeast along the Hudson River to Riley Road in the Town of Schaghticoke. Northeast on Riley Road to State Route 40; thence south on Route 40 to the intersection of County Route 117. Northeast on County Route 117 to Town of Schaghticoke town line. Follow Town of Schaghticoke eastern line south to the northern boundary of the Town of Brunswick.

East along the Town of Brunswick northern boundary to Deerkill Road; thence south on Deerkill road to intersection with Smith Hill Road. Southwest on Smith Hill Road to the intersection with Sweetmilk Creek Road; thence south on Sweetmilk Creek Road to State Route 7. East on State Route 7 to Brick Church Road. East on Brick Church Road to County Route 133, thence south on County Route 133 to State Route 2.

Proceed west on State Route 2 until it meets County Route 137; thence south on County Route 137 to the northern boundary of the Town of Poestenkill. West along the northern boundary of the Town of Poestenkill until it meets the northeast boundary of the Town of North Greenbush.

Quick Application