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Home Loan Programs

The FHA Home Loan Program is Available in a veriety of fixed rate options and allows you to use a gift to pay for your closing costs. Low down payment options, flexible credit requirements, and closing costs can be financed.


No-Money down home loans for  military Veterans.  VA has no mortgage insurance, flexible credit guidelines, and is the lowest overall payment option available for our countries great American heros.


Lowest interest rate options for borrowers with a down payment. May require PMI if more 80% of the home value is financed. Low closing cost options, fast closings, and no income limit restrictions.


No money down home loan programs in rural areas. USDA has lower mortgage insurance than FHA. Borrower must make less than HUD median income averages. The property must be in an eligible area.



We offer full service mortgage planning comparing your current loan against market rates to determine the best loan for your financial situation. We also provide debt consolidation and cash out refinance loans.

We offer New Construction home loans with little to no money down. If you currently own the land, you might not need any money to close. If you are a purchasing the land you could need as little as 3.5% down.

Loan Option Chart

Mortgage Options

Best Mortgage For

Not all borrowers will qualify for every mortgage. Credit and income dependent upon application

Adjustable Rate Mortgage

Get a low fixed interest rate and lower monthly payments for the first 5, 7 or 10 years.

Loan Flexibility. Lowest Possible Mortgage payment. Best for flexibility with sporadic income.

Custom Term

Choose a custom term with a fixed interest rate from 8 to 29 years that fits your financial goals.

Provides the lowest secure interest rate. Fixed term of your choice. Predictable payments and flexible terms

FHA Loan

You may qualify for an FHA loan with a lower credit score than other loans, and a down payment as low as 3.5%.

Credit challenged options, first time homebuyers, and low down payments. Fixed rate mortgage with low interest rates

30-Year Fixed Mortgage

Monthly payments spread over 30 years with a stable fixed rate are lower compared to loans with shorter terms.

Fixed predictable monthly payment and interest rate. Best for good credit profiles. Offering low monthly payments

VA Loan

Qualified veterans, service members and spouses can finance up to 100% of their loan and pay less at closing.

Loan for Veteran home buyers. No money down required, closing costs can be financed, low interest rates, no monthly mortgage insurance.

15-Year Fixed Mortgage

You pay less interest when monthly payments are spread over 15 years because you pay off your loan faster.

Lowest interest rate, fixed payment, predictable monthly expenses. Faster payoffs

Jumbo Loans

When you need a big loan – from $484,351 to $3,000,000 – you can save with a small interest rate.

Loan amounts from $700,000 – $5,500,000. Low interest rates with flexible terms

Not sure which loan is right for you?

Start with one of our easy mortgage qualification tools  strives to make homeownership easy.



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Created by Carter and Craig productions has tried to provide accurate and timely information; however, the content of this site and Home Loan Programs offered may not be accurate, complete or current and may include technical inaccuracies or typographical errors. From time to time changes may be made to the content of this site without notice. may change the products, services, and any other information described on this site at any time. The information published on this site is provided as a convenience to visitors and is for informational purposes only. The Plattsburgh Mortgage Center is an independent, advertising-supported publisher and comparison service only. does not lend money or approve mortgage applications and does not include all companies or all available products.  You should verify all information before relying on it and decisions based on information contained in our site are your sole responsibility. Any contact information provided is for accommodation requests only.