Top 3 Mortgage Lenders in Sackets Harbor

Watertown Savings Bank is the premier local financial institution serving the North Country region including Sackets Harbor. With over 120 years of community banking experience, they offer personalized mortgage services with deep local market knowledge. Their mortgage team provides competitive rates on all loan types and is particularly respected for their construction lending expertise, which is valuable in the Lake Ontario waterfront communities. Customers consistently praise their responsive service, local decision-making, and commitment to the community.

NBT Bank has been serving Northern New York communities for over 165 years and maintains a strong presence in Jefferson County. Their experienced mortgage specialists understand the unique aspects of Sackets Harbor's waterfront properties and seasonal market. They offer a comprehensive range of mortgage products with competitive rates and are particularly noted for their first-time homebuyer programs and digital mortgage application process. The bank receives high marks for professional service and local expertise in the North Country real estate market.

While based in Syracuse, Empower FCU serves members throughout Central and Northern New York, including Sackets Harbor residents. With over 100 years of operation, they offer exceptionally competitive mortgage rates and low fees as a member-owned cooperative. Their mortgage team provides personalized service for all loan types and is particularly strong with VA loans and first-time buyer programs. Members consistently rate them highly for transparent pricing, responsive communication, and making the mortgage process straightforward and stress-free.