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Saratoga Springs, NY Mortgage & Refinancing Options

Sold sign in front of new house in Saratoga NYPurchasing or refinancing a home in Saratoga Springs, NY or Saratoga County? This popular area in Upstate New York is situated just south of the foothills of the Adirondacks and just north of Schenectady and Troy. The county offers a mix of small cities, villages and towns interspersed with rural areas. Some popular locales include Ballston Spa, Clifton Park, Saratoga Springs, Malta, South Glens Falls and Wilton.

One major benefit of the county’s diversity is that USDA Loans might be an option, depending on location and eligibility requirements.

USDA Mortgage Eligibility in Saratoga County

Saratoga County’s USDA Mortgage eligibility is dependent on where the home is located, as defined below:

South Glens Falls Area, New York

The ineligible area of Saratoga County that includes South Glens Falls includes all that area beginning at the most western point of Potter Road at the Hudson River. Following the Hudson River in a winding easterly direction to the intersection of State Route 197; thence southwest on State Route 197 to County Route 28. North on County Route 28 to intersection of Reservoir Road. West on Reservoir Road to State Route 9, thence south on State Route 9 to Butler Road. Northwest along Butler Road to Potter Road, following Potter Road in a westerly direction to point of beginning.

Clifton Park, Halfmoon, and Waterford Areas, New York

The ineligible area of Saratoga County that includes Clifton Park, Halfmoon and Waterford includes all that area beginning at the southwest corner of the Town of Clifton Park meeting the Mohawk River. Follow the Mohawk River in an easterly direction to the Hudson River. North along the Hudson River to the southern boundary of the City of Mechanicville. Follow western boundary of the City of Mechanicville to the Northeast corner of the Town of Halfmoon. Northwest along Town of Halfmoon town line to the northeast corner of the Town of Clifton Park. West along the Town of Clifton Park northern border to Interstate 87, thence north on Interstate 87 to County Route 80 in Town of Malta. West on County Route 80 to intersection of County Route 82, thence south on County Route 82 to the northern line of the Town of Clifton Park. West/southwest along Town of Clifton Park town line, proceeding south along Town of Clifton Park town line to point of beginning.

Saratoga Springs Area, New York

The ineligible area of Saratoga County that includes the City of Saratoga Springs begins at a point where The Town of Milton eastern line intersects with the Southwest corner of the Kayaderosseras Creek. Follow the Kayaderosseras Creek in an easterly direction to Interstate 87. North along Interstate 87 to the crossing point of the Delaware & Hudson Railroad, thence west along said railroad track to southern boundary of the Town of Greenfield. West along Town of Greenfield southern boundary until it meets the eastern boundary of the Town of Milton. South along Town of Milton eastern line to the Kayaderosseras Creek, point of beginning.

Other Types of Mortgages Available in Saratoga County

USDA home loans aren’t the only type of mortgage available in the Saratoga NY area. The right mortgage option for you will depend on your specific financial situation and on the home you’re planning to purchase.

Conventional Loans

We offer a variety of conventional loans to homebuyers in Saratoga and the surrounding areas. Learn more about the various New York home loan options we offer here! Have questions? Contact our team of mortgage experts today—we’ll help you find the best option for your specific circumstances.

Other Government Mortgages (FHA & VA)

Federal Housing Administration (FHA) loans and Veterans Affairs (VA) loans are two types of eligible government mortgages in the Saratoga area. Find out if you qualify for either of these mortgages by contacting our team of mortgage lender experts!

Fixed Rate Mortgages

We offer fixed rate mortgages throughout the state of New York. Our rates are competitive, and we work with dozens of lenders, which means we can find a mortgage that suits your needs and budget. Learn more about fixed rate mortgage options here.

Home Refinancing Options in Saratoga

Are you thinking about refinancing your Saratoga mortgage? Whether you think you qualify for a lower mortgage rate or want a different kind of mortgage, there are plenty of home refinancing options available in Saratoga county.

How Much Will My Mortgage Cost? Use our Saratoga NY Mortgage Calculator!

Looking for homes in Saratoga Springs or the rest of Saratoga County? Considering refinancing your Saratoga NY home? Our Saratoga NY mortgage calculators can help homebuyers and homeowners estimate payments and loan terms for different scenarios.

Determine Your Monthly Mortgage Payment

Our amortization calculator helps determine the monthly mortgage payment for your Saratoga County dream home.

Is Now the Right Time to Refinance Your Saratoga Mortgage?

Our refinance savings calculator can determine if now’s the opportunity to refinance your existing Saratoga NY mortgage at today’s interest rates.

Can You Afford Your Saratoga Springs Dream Home?

Our home affordability calculator to determine how much home you can afford, based on your current income and your debt.

We’ll Help You Find the Saratoga Mortgage That’s Right For You

At Maple Tree Funding, we work with numerous lenders and can shop your mortgage around for you to get the most competitive rate on the market. We are licensed to originate loans throughout New York and can review your home ownership goals and your finances to help you discover the right options for you, whether that’s a fixed-rate, adjustable-rate, FHA, USDA or VA loan. There are even mortgages available for those with bad credit.

Contact Maple Tree Funding and we will provide you with a free consultation to help you understand your options and what might be best for you.

For more information, call 518-782-1202 or contact us with a time that works best for you, and we’ll give you a call!

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