North Country Savings Bank knows that that buying your first home is exciting, but the process can also feel overwhelming.
Since your home will likely be the largest investment you'll ever make, it's important to fully understand the process and all the mortgage options available. That's why we have experienced Loan Originators ready to provide you with financial support and assistance when you apply for a mortgage at North Country Savings Bank. We carefully evaluate each applicant's credit report because we understand that everyone has a unique financial situation and employment history – and every applicant has a different idea of what their dream home looks like. You won't find that kind of attention to detail at any of the big banks.
Thinking about building your new home from scratch, or looking at a fixer upper? Consider a construction loan, which offers flexible payments and assistance from a Loan Originator to keep your project on budget.
First Time Homebuyer Class
When you start shopping for your dream home, you may have a few – or a lot – of questions about the home buying process. North Country Savings Bank to the rescue! To help you get the answers you need, we've partnered with The Housing Council to create the First Time Homebuyer Education class, which provides mortgage advice to help first time homebuyers navigate the mortgage process. These monthly classes are designed specifically for residents of St. Lawrence County, and focus on the broad and finer points of the home buying process, including the benefits of a Private Mortgage Insurance (PMI), uses of credit, and working with real estate agents.
To obtain additional information or to register you can call the North Country Housing Council office at 315-386-8576, or contact North Country Savings Bank.
Frequently Asked Mortgage Questions
The following video series provides answers to frequently asked questions and important information potential borrowers will need regarding the program. Information contained in the videos is subject to change. We've also compiled a list of common first time homebuyer questions and answers for potential new homeowners.
Contact your local North Country Savings Bank Loan Originator for more information, or begin the prequalification process and apply for a mortgage online.