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Home In The City
Own A Home In Your City
offers special mortgages for individuals buying a home in certain cities. Whether it’s your first loan or you’re looking to downsize, our lenders can help you with the process from start to finish. Our Home in the City program offers low down payments, no mortgage insurance, reduced interest rates and much more.1
Scroll down to Prequalify or contact a local lender.
Our program offers:
- 95% financing with a low down payment for one- or two-family owner-occupied residences, including condominiums.
- No mortgage insurance requirement.
- 30-year mortgage with a fixed rate priced .25% below ’s daily posted interest rate for First-time Homebuyers.2 First-time buyers must complete a required homebuyer education class prior to their loan closing from an -approved nonprofit housing partner. Non-first-time buyers will be priced at daily posted interest rates.3
- Maximum 6% seller's contribution for closing costs/prepaids.
1 Offer subject to additional terms and conditions. Eligible properties are limited to those within the city limits of North Adams MA, Pittsfield MA — Keene NH, Manchester NH, Nashua NH, Portsmouth NH — Albany NY, Amsterdam NY, Binghamton NY, Cortland NY, Endicott NY, Glens Falls NY, Gloversville NY, Johnson City NY, Johnstown NY, Norwich NY, Oneonta NY, Plattsburgh NY, Rome NY, Schenectady NY, Syracuse NY, Troy NY, Utica NY — Hazleton PA, Scranton PA, Wilkes-Barre PA — Burlington VT, Rutland VT, South Burlington VT, Winooski VT.
Payment Examples (rates subject to change at any time):
2 The discounted rate on a 30-year fixed-rate mortgage of $60,000 for a first-time homebuyer completing the required education would be an Annual Percentage Rate (APR) of 4.304% and would result in 360 monthly payments of $290.79. Payments do not include amounts for taxes and insurance premiums. Actual payment obligations will be greater.
3 The discounted rate on a 30-year fixed-rate mortgage of $60,000 for other qualified, but non-first-time buyers would be an Annual Percentage Rate (APR) of 4.558% and would result in 360 monthly payments of $299.57. Payments do not include amounts for taxes and insurance premiums. Actual payment obligations will be greater.
Let our lenders help you find the right mortgage and get you into your new home faster.
Get started now.
You can also contact or prequalify directly with a local lender. Click below to select one from your region.
Mortgage Lenders
Dominic Goffredo II
Mortgage Originator
NMLS #128072
Lackawanna, Luzerne & Susquehanna Counties
130 North Keyser Avenue
Scranton, PA 18504
Lynn Simmers
Mortgage Originator
NMLS #580576
Lackawanna & Wayne Counties
1187 Mount Cobb Road
Lake Ariel, PA 18436
Anthony Piestrak
Mortgage Originator
NMLS #159018
Monroe, Pike & Wayne Counties
736 Main Street
Dickson City, PA 18519
Michael Huot
Mortgage Originator
NMLS #49782
Maine & New Hampshire
80 Canal Street
Manchester, NH 03101
Vincent Olivo
Mortgage Originator
NMLS #471697
Maine, Massachusetts & New Hampshire
100 Market Street, Suite 201
Portsmouth, NH 03801
Peter O'Brien
Mortgage Originator
NMLS #696424
Vermont
112 West Street
Rutland, VT 05701
New York Lenders
Dave Pentak
Mortgage Originator
NMLS #763686
Albany & Capital Region
54 State Street, Suite 100
Albany, NY 12210
Robert Esposito
Mortgage Originator
NMLS #763687
Albany & Capital Region
80 Wolf Road, Suite 101
Albany, NY 12205
Salvatore Casale
Mortgage Originator
NMLS #580555
Fulton, Montgomery & Hamilton County Region
12 Fremont Street
Gloversville, NY 12078
John Hersey
Mortgage Originator
NMLS #580561
Glens Falls, Saratoga County & Southern Adirondack Region
86 Glen Street
Glens Falls, NY 12801
Allen Fry
Mortgage Originator
NMLS #1540153
Northern Adirondack Region & Plattsburgh
2483 Main Street
Lake Placid, NY 12946
David Carter
Mortgage Originator
NMLS #580554
Greater Binghamton
1310 North Street - Suite 1
Endicott, NY 13760
Larry Pentak
Mortgage Originator
NMLS #54052
Otsego County
1 Wall Street
Oneonta, NY 13820
Christopher Hotchkiss
Mortgage Originator
NMLS #454702
Cortland
65 Main Street
Cortland, NY 13045
Matthew Norris
Mortgage Originator
NMLS #571162
Chenango & Madison Counties
1 Madison Street
Hamilton, NY 13346
Harry Cooper
Affordable Housing Originator
NMLS #67570
Greater Binghamton, Syracuse & Utica
1001 James Street
Syracuse, NY 13203
Susan Bryerton
Mortgage Originator
NMLS #555908
Syracuse
700 North Main Street
Syracuse, NY 13212
Jamie Elwyn
Mortgage Originator
NMLS #49951
Syracuse, Oswego, Franklin & St. Lawrence Counties
8250 Cazenovia Road
Manlius, NY 13104
John Kearns
Mortgage Originator
NMLS #555911
Utica/Rome
1 Kirkland Avenue
Clinton, NY 13323
Jeffrey Witherwax
Mortgage Originator
NMLS #1087651
Utica/Rome
270 Genesee Street
Utica, NY 13502




















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