If you're among those looking to purchase a home or refinance an existing mortgage in Syracuse NY, check out home loans from Artisan Mortgage Company.
From single-family homes to duplexes or condos, we have the resources to assist you in your search for great home loan and refinancing in Syracuse NY throughout Onondaga County including but not limited to nearby areas of Fairmount, Baldwinsville, Solvay, Mattydale, Manlius by offering a FHA, VA, bad credit, home improvement and construction loans from best lenders.
In December 2022, the median listing home price was $140K, up 7.8% compared to last year.
Talk to our Syracuse Mortgage Brokers today about how to secure the best mortgage rates for your new home at (833) 844-0141 or prequalify for a home loan here. We’ll do what we can to earn your business by offering the personalized, responsive service you would expect from your local mortgage broker.
FHA and VA Loans
If you're like many buyers, the current economic climate may leave you wondering how you can afford to buy a home. Artisan Company has many low-interest mortgage options from top residential lenders to fit qualified borrowers' needs, including FHA and VA home loans in Syracuse NY, that are low-money down payment option.
We offer the following HUD's FHA www.hud.gov/buying/loans and VA programs:
You are needed to pay a financing fee to the VA loan that depending on lenders range from 0 to 3.15% however, that funding fee is also borrowed. For many buyers the financing fee for first time use is close to 2.15%.
Adjustable rate mortgages (ARM)
ARMs have variable interest rates and variable payments that are based on either Treasury backed or Libor based indexes.
Today, many potential homebuyers are seeking mortgages that offer both the flexibility of a shorter term interest rate and an interest rate that adjusts over time. If you're considering an adjustable-rate, working with several lenders Artisan has low-interest mortgage solutions or refinance that may meet your budget.
Our most popular Syracuse NY mortgages include bad credit loans, first-time homebuyer programs, fixed-rate with flexible terms, adjustable rate mortgage (ARM), home equity loans and down payment assistance.
Fixed Rate Conventional Loans
If you are looking for a stable monthly payment, we offer varied term loans that allow for the gradual repayment of both principal and interest.
Your score is most impacted from recent activity; the more time that passes since a negative event on your report, the less it impacts your score. So after you have a negative item such as a late payment or high balance, you can repair your score by paying off the balance or making payments on time.
We offer Syracuse NY mortgage loans throughout Onondaga County from top lenders including the following areas:
We are the dedicated group of professionals working with many lenders in area and we are committed to helping our clients, their referrals and real estate needs. In fact, as we have access to different lenders we service many clients in residential loans and we are ranked among the top servicers in area. In addition, because we're locally based, and work with some of the best Syracuse NY mortgage lenders you can count on us for the fast decisions and thoughtful, responsive service you need.
Home Improvement and Construction Loans
We have many lending options for homeowners that can be used for mortgage in Syracuse NY, including home improvement or construction loans, providing financing that you need. Our loan officers are extremely experienced in all types of construction lending be it commercial or residential. Call us to discuss your next house improvement project today!
With over 20 loan programs in our portfolio, we can help you find the program that will add value to your house without adding cash flow concerns.
Bad Credit Home Loans
Hardly simply for the reason your credit isn't excellent fails to imply you need to miss out on an opportunities available to everybody else. With debt consolidation loan, you can be back on your feet again.
Debt Consolidation
By consolidating card debt into a tax-deductible home equity loan or HELOC, you may be able to repair your score and remove the burden of high card rates.
Community Lending Programs
As we have relationships with several lenders, we offer many community-minded programs that allow qualified borrowers to purchase house with little down payment or refinance loan. In addition there are special house financing programs to assist teachers and municipal workers.
Program Options
Working with many lenders, we offer a variety of competitive home financing programs in Syracuse NY throughout Onondaga County whether you are purchasing or refinancing mortgage including:
For more info about Veterans Affairs programs visit www.benefits.va.gov/homeloans/
We are A+ rated business and members of National (NAMB) and New York Association of Mortgage Brokers (NYAMB). Use our financial calculators and glossary to learn more about the loan or refinance process. We offer answers to many of your questions about your finances in our frequently asked questions (FAQs) section.
Under the Fair and Accurate Credit Transactions Act (FACT Act), consumers can obtain a free copy of their report once a year online from each of the three major credit bureaus - Equifax, Experian, and TransUnion (one free online report per year from each).
2022 Housing Info
Second Mortgages
With this program options are the same, offering both fixed and adjustable rate, however second mortgages allow for a equity line of credit (known as a HELOC).
If you have an existing mortgage, the current housing market may be favorable for considering a mortgage refinancing in Syracuse NY if you want to reduce loan term, get cash or lower your debt. Adjusting the rate of your existing loan may lead to a lower interest rate, saving you interest payments in the long term. Or, with refinancing you may be able to shorten the duration your loan, increasing your monthly payments but decreasing long-term interest payments.
Whether you're looking for a fixed-rate, an adjustable rate loan, or refinancing you want to find competitive rates for your next property loan by using our experienced consultants.
Artisan Company provides some of the lowest combination of rates and fees available for refinancing, flexible financing packages to fit your individual needs, and the highest quality of customer service. Apply now, and receive a fast decision.
Some of the most popular options are:
HELOC
Like being approved for a card, a HELOC allows you to use your home equity whenever and however you wish. This is one of the most popular method of financing. Loans are available for just about anything.
We have many success stories and satisfied homeowners. Call us at (833) 844-0141 today and our loan officers we will be happy to help you too. We provide broad array of loan options with superior service.
For residents of nearby cities Baldwinsville, Solvay, Mattydale, Fairmount, Manlius finding a low rate mortgage and refinancing option could be just a phone call away. With Artisan Company, a licensed mortgage broker who can work closely with you to determine your qualifications and find the best Syracuse NY home mortgage and financing for you at the lowest rate possible, from many residential lenders.
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