The Best Mortgage Lenders in Queensbury, NY
Compare verified mortgage lenders serving Queensbury, New York. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Queensbury
Featured Mortgage Lenders
Adirondack Trust Company Mortgage Department
Adirondack Trust Company
As the leading community bank in the region, Adirondack Trust Company has served the Queensbury area for over a century with exceptional mortgage services. They consistently receive outstanding customer reviews for their personalized service, local underwriting decisions, and competitive rates. Their mortgage specialists have deep knowledge of the local Queensbury and Adirondack region real estate market, providing customized solutions for first-time homebuyers, move-up buyers, and investment property purchasers. The bank maintains an excellent reputation for reliability and community commitment.
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SEFCU Mortgage Services
SEFCU (now part of Broadview Federal Credit Union)
SEFCU, now operating as Broadview Federal Credit Union, has been a trusted mortgage lender serving the Queensbury community for decades. They offer highly competitive rates and exceptional member service, with numerous positive reviews highlighting their smooth closing processes and responsive loan officers. Their mortgage team specializes in helping Queensbury residents with various loan programs including first-time homebuyer assistance and local down payment programs. As a credit union, they prioritize member satisfaction over profits, resulting in superior customer experiences.
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Guaranteed Rate - Albany Division
Guaranteed Rate, Inc.
Guaranteed Rate's Albany division consistently serves the Queensbury market with top-rated digital mortgage solutions and personalized service. They maintain exceptional 4.9-star ratings across multiple review platforms with hundreds of positive customer testimonials. Their innovative technology platform allows for streamlined applications and quick approvals, while their local loan officers provide expert guidance throughout the Queensbury home buying process. They're particularly noted for competitive rates, transparent fee structures, and efficient closing timelines that consistently exceed customer expectations in the North Country region.
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Frequently Asked Questions
Common questions about mortgage lending in Queensbury, NY
Are there any first-time homebuyer programs specific to Queensbury or Warren County that can help with down payments?
Yes, the New York State Homes and Community Renewal (HCR) offers the Achieving the Dream program, which provides down payment assistance up to $15,000 for eligible first-time buyers in Warren County, including Queensbury. Additionally, local lenders often have knowledge of grants or special loan products tailored for the area's moderate-income buyers, which can be crucial in a competitive market.
How do property taxes in Queensbury impact my mortgage qualification and monthly payment?
Queensbury, located in Warren County, has property tax rates that are generally higher than the national average, which is a significant factor in your debt-to-income ratio. Lenders will calculate your estimated monthly tax escrow based on the home's assessed value, which can add several hundred dollars to your monthly mortgage payment. It's essential to get a clear tax estimate early in your home search.
What types of properties in Queensbury might require specialized mortgage products, like construction or renovation loans?
Given the mix of established neighborhoods and more rural land in Queensbury, you may need a construction loan if building a new home in areas like West Mountain or a renovation loan (like an FHA 203k) for updating older homes in neighborhoods like the Queensbury School District. These are common for buyers looking at properties that need modernization or on vacant land parcels.
How competitive is the mortgage pre-approval process in Queensbury's housing market, and what do I need?
The Queensbury market can be competitive, especially for well-priced homes in top school districts. A strong pre-approval from a local lender who understands the area is vital. You'll need standard documentation (income, assets, credit) and should be prepared for a quick closing timeline, as sellers often favor buyers with local, reputable lenders who can close reliably.
Are USDA rural development loans available for homes in Queensbury, NY, given its location near the Adirondacks?
Yes, surprisingly, parts of Queensbury and the surrounding Warren County are eligible for USDA Rural Development loans, which offer 100% financing. While Queensbury itself is a developed town, certain census-designated areas on its outskirts qualify. A local mortgage officer can help you determine if a specific property is in an eligible zone, making homeownership more accessible with no down payment.
Nearby Cities
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Why Choose a Mortgage Lender in Queensbury?
Local Market Knowledge
Lenders who understand Queensbury's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in New York.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Queensbury and get competitive rates on your home loan.