CHOOSING THE RIGHT HOME LOAN
We understand that home loans can be confusing, so we have a team of local professionals at your service! Your local Mortgage Loan Originator will be happy to walk you through the process and to answer all your questions. Each loan is different, and we want to make sure you choose the mortgage that痴 right for you! You値l also enjoy knowing that we will service your loan after it closes. This means you値l get to work with your local bank during the life of your loan if you ever have any issues, not someone in a distant call center!
Please contact us to discover today痴 rates for all our Home Loans.
FIRST-TIME HOME BUYER PROGRAM
If you池e getting ready to buy your first home, we致e got a program designed just for you! We値l work one-on-one with you during your purchase process, and as a First-Time Home Buyer you値l enjoy having a smaller down payment requirement without having to pay PMI! You値l also still be eligible for our great rates and no closing costs loan programs. Focus on getting ready to move into your new home while we take care of the financing.
NO CLOSING COSTS LOANS
Learning you have to pay thousands of dollars in closing costs when you take out a mortgage is often an unpleasant surprise to home buyers and people looking to refinance. At Champlain National Bank, we offer a No Closing Costs Mortgage, where we will pay most or even all of these fees for you. The only condition is if you pay off your mortgage during the first three years, you may be required to pay those closing cost fees back.
Deciding how much house you can afford depends on factors like your down payment amount, how long of a mortgage term you want and your income and expenses. To help you get started with some preliminary number crunching, we offer a variety of calculators. The Mortgage Qualifier Calculator in particular will help you get an idea of how much you can borrow. We池e also here to help you determine the right amount for your budget.
Don稚 stress about having to complete a complicated mortgage application; we値l do all the work for you. Plan to spend about 30 minutes with your Mortgage Loan Originator when you are ready to apply. We値l ask you questions about your home and finances. We値l also review the documents you値l need to provide us in order to make a decision.
Once your application is approved, we値l order an appraisal from a licensed appraiser who is familiar with home values in your neighborhood. We値l also work with you on obtaining title insurance or an updated abstract of title. If you are refinancing, we値l take care of ordering the title for you.
Once we have all the documentation necessary to close your loan, we値l contact you to schedule your loan closing at a location convenient for you. If you are purchasing a home, we値l also take care of scheduling the closing with the real estate broker and the seller. Our goal is to make your home loan process with us the easiest you値l ever experience.
If you have any questions you can contact us by:
Calling Our Mortgage Loan Specialist at (518) 983-3315
Emailing us at: MLO@champlainbank.com
Visiting or Writing to us at:
Champlain National Bank
500 Route 3
Plattsburgh, NY 12901
Mortgage Loan Specialist
Buck came to the Bank in 2017 after a career in politics. Before moving to the North Country, he lived in Chicago, Virginia, and his native Hudson Valley. Buck holds a BA in International Affairs from George Washington University. He is a lifelong canoeist, hiker, and skier.
Favorite part about working for Champlain National Bank: There aren稚 many local institutions remaining that both maintain the public痴 confidence and return prosperity to our community like Champlain National Bank does. I am proud to be part of the Bank痴 team and continue its tradition of service in the North Country.