Albany, NY Mortgage Broker Offers Home Loans and Low Refinance Rates

And if you are in the market to buy a home, we offer many attractive mortgages in Albany, NY with low to no down payment options to make your purchase affordable. We offer many types of loans including Conventional, Federal Housing Administration (FHA) www.hud.gov, Veteran Administration (VA), and Rural Housing loans. …and many more! Contact one of our skilled mortgage consultants to learn more.

Home buyers and owners have many choices when it comes to loan programs from Artisan. While many consumers opt for the popular 30 year fixed rate mortgage, some may want to consider other programs such as a 3-year adjustable rate loan.

Home Improvement Loan

A new addition to the family may have you making an addition to your home. Or maybe you want to update your kitchen or master bath. We can help finance your house improvement through a variety of loan types.

Conventional loans

Purchase home loans are available to you at today's low interest rates. Whether you chose to secure loan pre-approval while you are house shopping or close fast on the home you have already found, we provide great rates and service – FAST!

When you're considering an auto loan or mortgage loan, many questions may spring into your mind. What will my monthly payments be? Can I afford the additional costs?

FHA and VA Loans

Considering an adjustable rate mortgage (ARM) or low money down FHA financing? How about a condo loan or zero down VA loan? From 30 year to investment property loans, Artisan Mortgage has a home loan product in Albany, NY right for the financial needs of most buyers and owners. Learn more here www.benefits.va.gov

We offer a wide variety of fixed rate and adjustable rate mortgage programs for primary residences, second homes, and investment properties including:

• 10-30 Yr Fixed Rate Mortgages
• 3/1 - 10/1 Adjustable Rate Loans
• Low and No Money Down VA and FHA loans
• Jumbo
• Condo Financing ... and more.

Adjustable Rate Mortgage

ARM loans traditionally have a lower beginning interest rate than fixed rate loans, allowing you to purchase more home up-front. Initial ARM interest rates are fixed for a set period of time, then adjust annually.

Fixed Rate Mortgage

This type might be best for you if you don't want to risk a change in the economy that could result in a substantially higher monthly payment - it features a permanent rate and monthly payment amount.

Credit Report

Remember to occasionally review your credit report to ensure the information is correct. There is no effect to your score by requesting your own report. If you find errors, contact the reporting bureau and lender. Mistakes can be made and checking your report is a good protection against identity theft.

Coverage Area

Artisan Mortgage Company specializes in FHA, VA and Conventional home loans throughout Albany County NY including the following areas:

• Cohoes
• Watervliet
• Colonie
• Westmere
• Menands
• Ravena
• Voorheesville
• Green Island

What is Escrow?

The other time you’ll hear about escrow is if your mortgage lender handles payment of your property taxes and homeowner’s insurance for you. In most cases, your lender includes the monthly cost of taxes and insurance in your payment. That way, you don’t have to worry about making large tax and insurance payments all at once.

Bad Credit Home Loans

Many first time buyers or owners have experienced financial difficulties and bad credit due to personal issues ranging from the loss of a job, divorce or poor investments. Bankruptcy? Foreclosure? Late Payment? Collections? Artisan’s professionals have the expertise to assist borrowers who are burdened with poor credit. We provide a bad credit home loan in Albany, NY that will help you out in this situation.

Home Improvement Loans

Have you been thinking about remodeling your bathroom? Finishing your basement? Need a new roof? Contact AMC today to learn more about how our home improvement loans can help you. Contact us for more information!

Equity Loans

Facing college tuition payments? We offer equity loans for all types of residential properties.

And with the current tax laws, you may be able to enjoy tax savings since equity line interest may be tax deductible. Be sure to consult your tax advisor.

Jumbo Loans

A jumbo loan provides clients with more options for financing larger more expensive properties. This loan is offered with either a fixed or adjustable rate.

Home Equity Line of Credit

They come in two basic products. These are a traditional Home Equity second mortgage and a Equity Line of Credit (HELOC). These loans are for those who want tax deductibility and cash availability. Both loan products come in fixed and adjustable terms.

Loan Programs

Here's a list of the popular types of home loans in Albany, NY whether you are refinancing mortgage or buying house throughout County:

• No fee, No point Loans
• First Time Home Buyer
• HARP Refinance
• Hybrid ARM (5/1, 3/1)
• Fixed Rate Mortgages
• Bad Credit Loan
• Home Improvement Loan
• HELOC
• Cash Out Refinance
• Veterans Affairs
• USDA

Debt Consolidation Plan

In many cases we are able to take all of your debts and roll them into one low monthly mortgage payment.

Second Mortgage

Apply now for your free savings analysis and we will identify the best program for you based on monthly payment savings, increased cash flow, yearly savings projected over time, and possible tax advantages.

Most borrowers who have credit problems will pay a higher interest rate. We will pull your report and discuss your problems and possible mortgage solutions with you.

Below are just a few of the programs we offer:

• Purchase loans of the purchase price
• No down-payment stated income loan
• Low down-payment loans
• Aggressive investment property programs

Advantages of a repair program are that you could use the fixed rate period to prove your creditworthiness while making affordable and predictable monthly payments. You can also take advantage of lower initial rates.

No Documentation Loans

No Documentation Loans do not require employment, income or assets to be stated on your loan application. This solution is ideal for individuals whose income is difficult to verify or if you wish to avoid the complexities of a traditional mortgage documentation. Reasonable credit is required.