Artisan Mortgage Company is pleased to offer home mortgage financing assistance to the 200,000+ residents of the greater Rochester, NY metropolitan area.
Whether you're looking to consolidate debt, purchase a new home in Rochester NY, refinance, do house improvements, or get cash-out, you've come to the right place.
Our experienced Rochester mortgage brokers have built reputation by offering competitive loans and refinancing options from top lenders including FHA, VA, first time home buyer program, bad credit, home equity loans throughout Monroe County and nearby Irondequoit, Brighton, Greece, North Gates, Brockport, Hilton.
In December 2022, the median listing home price was $149.9K, up 3.4% compared to last year.
Artisan Mortgage offers several types of FHA and VA home loans in the Rochester NY area for residential properties to first time home buyers or existing owners. FHA loans are a popular financing product for home buyers who are looking to put down less than what is required with most conventional financing outlets.
The VA and FHA mortgage lending consultants at our company can help you determine whether you may qualify for a low-money-down mortgage.
They are made by financial institutions but assured by the department of Veterans Affairs. The main component of the VA loan is that it enables you to obtain a house with no down payment and mortgage insurance.
Fixed rate mortgages
They provide borrowers with the opportunity to set a fixed payment for the length of the loan.
Adjustable rate mortgages (ARM)
They are ideal for borrowers expecting an income increase or those who are anticipating occupying a house for a short period of time.
Interest only loans
Interest only are designed for borrowers who may not have a steady income, and are a great way to maximize your cash flow.
Traditional Home Loans
Artisan Company offers a traditional monthly residential loan. A variety of competitive adjustable, balloon, fixed rate products and low mortgage refinancing rates are available. Call or visit a Artisan officer today to tailor the product that best meets your monthly budget.
Home Equity Loans
Whether you are thinking of remodeling house or maybe finally going on that big vacation, we have a home equity loan in Rochester NY that will work for you. Whatever you need or want to do, taking advantage of the equity you've built in your house make it all possible for you. For more information about our financing options, please consult our Loan Originator.
House Improvement Loans
You may choose from personal loan (secured by an existing asset), equity, purchase and renovation loans or mortgage refinancing. Give us a chance to help you with your house renovation.
The repair program offers lower rates than other fixed rate loans This makes it a great choice if you’re planning to stay in your house or keep your mortgage for less than five years.
Applying for a Loan
When you’re applying for a mortgage, it helps to have a personal loan officer who understands your needs. And that’s exactly what you’ll find at Artisan Company. The process is quick and easy, and our personal bankers are here to guide you every step of the way.
Where are Our Services Available?
Artisan Mortgage serves first time home buyers and owners in Rochester NY, Monroe County providing Fixed-Rate, Adjustable-Rate, Jumbo, FHA Insured or VA & USDA Loans including areas of:
This loan program is designed to meet the needs of borrowers or contractors who desire a construction loan with no permanent financing.
First Time Home Buyer Programs
If you're looking for a mortgage for your first home, there are many great programs for first time home buyers in Rochester NY with low down payment options and most popular are FHA loans, VA loans backed by the Veteran's Administration and fixed rate mortgages. Call us today to learn more about these programs.
Popular Loan Options
Houseowners like you continue to learn about the options and benefits of leveraging their home equity to increase their monthly cash flow and reduce monthly payments. In 2019, the average household with one or more cards carries over $15,000 in debt.
The report style and format depends on the reporting bureau used (Experian, TransUnion, or Equifax) however each keeps information of the following kind: personal information, inquiries and public record information.
With second loan you have a fixed term and amortization. These loan can be tax deductible for homebuyers who file itemized deductions. Rates are substantially lower than card debt, but are slightly higher than first mortgage loans.
Bad Credit Home Loan
If you have concerns about your credit history, you’ll like our no hassle bad credit home loan in Rochester NY for borrowers with limited histories and less-than-perfect score. We understand that you may become facing short-run lending problems. For that reason, we offer bad credit home loan solutions that target not entirely on your background, but on supporting you to match your current requirements and achieve your goals for the time to come.
Debt Consolidation Plan
What if you could pay off all your bills? If you find yourself juggling mortgage payments, car payments, and credit card payments, then we may have the solution for you - One Payment with debt consolidation plan.
We Value Our Customers
3-5 Year Balloon Loan
This is our most popular, time-tested loan for Monroe NY and surrounding counties. Straightforward loan application, no fees, and quick response time make this product our customers’ favorite.
Personal Line of Credit
One of the most convenient loan services around is a personal line that enables you to establish a maximum limit to borrow for any need you may have. You determine how much of the line you want to access by using special checks or making withdrawals online. Interest is not charged on the unused portion of your line.
Housing Information (2022)
That new house just suits your taste….your loan should do the same. We offer flexible terms to meet your personal needs as well as competitive mortgage refinancing rates, low closing costs and convenient terms. Payment terms can be designed to fit your budget using bi-weekly or monthly payments that can be automatically deducted.
Don't wait another day to find out how much you could save by refinancing mortgage in Rochester NY, or what you could be prequalified to borrow? Mortgage rates can and do change daily, and pricing may actually fluctuate throughout the course of a given day.
It takes only moments to begin - simply call (631) 859-9414, request a Mortgage Quote, or complete a short prequalification form online.
What are the advantages of Refinancing?
Equity Line of Credit
This is a revolving line established by using the equity in your home as collateral. This loan is set up for a period of fifteen years and is accessed by writing checks. Payments reduce the loan balance and these funds are available again for use.
We Are Your Broker
We have made the investment to provide you with the latest technology and services. We see ourselves as a repository of of ideas, and most importantly, of relationships. We also feel a responsibility to be a champion of your business, and actively look for opportunities to help you. Telephone and online access are available and you can always stop by our office to get your questions answered by one of our friendly client service representatives.
Talk with our loan consultants now at (833) 844-0141 or fill out the rate quote form on this page to learn more about financing options you may qualify for.
Whether your credit is perfect or imperfect, Artisan Mortgage can provide you with a program that will adapt to your unique circumstance and needs. We offer debt consolidation, equity loan, fixed and adjustable rate, mortgage refinancing and USDA, VA, FHA home loan in Rochester NY including Irondequoit, Greece and Webster as well as second mortgages investment properties.