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    Whatever you need – a home loan or money for building your home – helping you is what we do best.
  • PS-NearRetirement

    Nearing Retirement

    PS-FirstTimeBuyer

    First-Time Buyer

    Persona HARP

    HARP Refinancing

    PS-HomeBuilder

    Home Builder

    PS-JumboLoans

    Jumbo Loans

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  • Enter your ZIP code to get rates

    Type

    Key Features

    Key Benefits

    Rates

    Conventional Fixed Rate

    • Lock in an interest rate
    • Peace of mind your monthly home payments won’t increase
    Enter your ZIP code to get rates.

    Adjustable Rate Mortgage (ARM)

    • Pay a fixed interest rate for the first 3, 5 or 7 years of loan
    • Adjusts annually after initial fixed rate period;
      Annual Rate Adjustments are tied to an Index and a Margin – see individual program for details
    • Annual and lifetime caps
    • Can be more affordable in the short term
    • May be a sound option if you know you won’t stay in the house long term
    • Initial rate generally lower than 30 year fixed rate
    Enter your ZIP code to get rates.

    Jumbo Loans

    • For mortgage loans greater than $417,000
    • Maximum flexibility for amounts greater than conventional limits
    • Choose from fixed- and adjustable-rate jumbo mortgage loans

    New Construction

    • One closing transaction covers both construction financing and your permanent mortgage loan
    • Quick, new construction builder acceptance review
    • Flexible draw schedules, including a first draw for land acquisition
    • Interest-only payment options during construction at the same rate as your permanent mortgage
    • Combined first and second mortgage loans
    • Eliminate paying private mortgage insurance (PMI) or jumbo pricing
    • Get the best terms
    • Build equity faster

    Government

    • Available for certain state residents or veterans:
    • FHA (Federal Housing Administration) Mortgages
    • VA (Veterans Administration) Loans
    • USDA (US Department of Agriculture)
    • State of New York Mortgage Agency (SONYMA) loans
    • Pennsylvania Housing Finance Agency
    • Connecticut Housing Finance Authority (CHFA)
    • Massachusetts Housing Finance Agency (MHFA)
    • Low down payments
    • Reduced closing costs and closing cost assistance
    • Fixed-rate loans
    • First-time-homebuyer requirement may be waived

    Home Affordable Refinance Program (HARP)

    • Your loan was acquired by Fannie Mae or Freddie Mac on or before May 31, 2009
    • Lower monthly payment
    • Fixed-rate mortgage loan
    • Shorter loan terms — 15- to 30-year terms available
    • Reduce your interest rate

    First Home Club (provided by FHLB of New York)

    • Savings program with a grant match to help save for a down payment and closing costs
    • Savings period of 10 - 24 months
    • First-time homebuyer counseling course
    • New York and New Jersey residents that meet income limits are eligible to apply. $7,500 may be used for down payment and/or closing costs
    • Also available if you have not owned a home in the last three years
    • Earn $4 in grant funds for every $1 you save
    • Up to a $7,500 grant

This is not a commitment to lend. All loans are subject to credit approval and collateral evaluation. Restrictions apply.

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Lower your monthly payment by refinancing.

If you own a home, you may be able to lower your payment or shorten the term of your mortgage by refinancing.