Mon.-Fri. 6 a.m. - 9 p.m. ET
Sat.-Sun. 8 a.m. - 6 p.m. ET
Automated Telephone Banking:
24 hours a day / 7 days a week
See our schedule of holiday hours.
Build your dream home, with the power of our Mortgage Solutions. With our Rate Protector Program you have:
There is so much more to the mortgage business than crunching numbers and calculating interest rates. It’s about helping people realize their dreams. We’d like an opportunity to demonstrate our knowledge, ability, and dedication to help you Do Great Things.
*Rate adjustments will vary depending on product and lock period selected. Rate Protector Program applicable to construction end loans only. A 1% lock-in deposit will be collected and used as a credit toward closing costs. If the loan is denied as a result of an unfavorable appraisal or credit worthiness, the deposit will be refunded. If the loan is withdrawn by the applicant, the deposit is not eligible for refund.
** With the Rate Protector Program Construction End Loan Extended Rate Lock, the applicant can re-lock or float down 30 days prior to loan closing at either: the lower of the extended rate originally selected or the current 60 day rate/point combination. The 30 days must be within the original lock period, not adding additional days to the original lock period. All loans in the First Niagara Extended Rate Lock/Rate Protector program must close no later than the original expiration date.
Our mortgage consultants will guide you through the process or you can apply online.
Email us for more information or call us at 1-877-731-4646
Find a mortgage consultant
This is not a commitment to lend. All loans are subject to credit approval and collateral evaluation. Restrictions apply.
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