Loan Products
- ECOA
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- Pre-Application Disclosure and Fee Agreement
- Privacy Policy
- Conventional Mortgage Products from Fannie Mae and Freddie Mac:
- Conventional Fixed Rate Mortgage Loans are the most common type of mortgage transactions available to most consumers. They are available for 10, 15, 20, 25 and 30 year terms. These loans feature hig
- Conventional Renovation Mortgage:
- This program allows a homebuyer or homeowner to purchase a home or refinance a current mortgage while making home improvements and complete general repair projects on any owner-occupied or second home
- FHA Loan Program:
- FHA mortgage loans are guaranteed by the Federal Housing Administration (FHA). They allow prospective homebuyers to qualify with lower down payments and more liberal credit qualifying requirements.
- FHA 203K Renovation Mortgage:
- The FHA 203K renovation program allows a homebuyer or homeowner to purchase a home or refinance a current mortgage while making home improvements and complete general repair projects on any owner-occu
- Manufactured Home Mortgages:
- We offer mortgage options for manufactured homes* on our VA, FHA, USDA*, and Conventional loan programs. Credit scores as low as 580. Programs available for both single and double wide homes. Renovati
- USDA Rural Housing Loan Program – No Down Payment:
- Rural Housing Loans are guaranteed by the USDA's Rural Development Agency available on properties located in certain designated rural areas. Financing up to full appraised value is available on singl
- USDA Renovation Program:
- The USDA renovation program allows a homebuyer or homeowner to purchase a home or refinance a current mortgage while borrowing the funds needed to make home improvements and complete general repair pr
- VA Loan Program – No Down Payment:
- No down payment is required for applicants who are VA Loan Eligible. Adirondack Funding Services is an approved VA Loan Originator with direct access to the VA Loan System Website. We will obtain yo
- VA Renovation Loan Program:
- This program allows a veteran homebuyer or homeowner to purchase a home or refinance a current mortgage while making home improvements and complete general repair projects on any owner-occupied reside
- VA 1X Close Residential Construction Program:
- VA Guaranteed new construction loans are available for primary owner-occupied residential homes*. Projects must be completed by an insured general contractor. Financing available up to full amount of
- *Manufactured Home Loans For New Construction Temporarily UN-AVAILABLE IN NY STATE
- Please Contact us for more information
- New Residential Construction Programs:
- New construction loans are available for owner-occupied primary residences and second homes. Projects may be completed by an insured general contractor or be self-built by qualified individuals. Fin
- 1X Close Residential Construction Program:
- One-Time Close Construction loans are available for primary owner-occupied residential single-family homes. Projects must be completed by an insured general contractor. Financing available up to 95%
- Reverse Mortgages (HECM - Home Equity Conversion Mortgage):
- This program allows individuals age 62 or older to use the equity in their home to supplement their monthly income, obtain cash to consolidate debts or make home improvements or even purchase a new ho