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Mortgage Loan

Learn About Affordable Financing for Your Home.

Your home is one of the biggest purchases you’ll make in your life. Whether it’s a first home, upsize, downsize, or refinance, making a plan for your mortgage is helpful. Live Smarter by finding the right terms, calculating your costs, comparing your options, getting your best mortgage rate, and finding a financial institution that suits you, making your mortgage experience positive and rewarding.

At First Source, we have a time-tested, reliable Mortgage Planning process we have developed to make your entire experience easier. 

Husband and wife smile in front of the new home they purchased with a mortgage loan.

Mortgage Loan Calculator

Start with our helpful mortgage loan comparison calculator located below, to find out how much house you can afford.

Mortgage Loan Options

Take advantage of our free Mortgage Planning services by making an appointment to see one of our representatives. We begin with a financial check-up, to see what you can afford, what your credit rating is like, and what your goals are. From the size of house you’d like, to what your budget can handle, we’ll walk through your options. 

Loan rates, amortization, FHA, insurance, reverse mortgages, refinancing, subprime, fixed vs. adjustable rates…we know the mortgage application process can be intimidating, so we’re here to explain all the steps, any terms you may not understand, and how they can affect you and your mortgage. We’ll simplify the process, discuss the pros and cons, walk you through the steps, and even help you fill out your application. 

Applying for a Mortgage Loan

Before you start shopping for a home, you should meet with us to see if you pre-qualify for a home loan, figure out how much house you can afford, what terms you’re hoping for, discuss mortgage vs. home equity loan, and more. All of these can save you time and energy in your home search, and put you in a much stronger position once you’re ready to buy. We give you a convenient checklist to cover each step along the way, making your process easier and lowering your stress.

Mortgage Application Help

In addition to figuring out how much you can afford, we can help you plan ahead for your appointment with a handy checklist to help you stay organized. We’ll also provide tips and advice at every stage of your process, including your mortgage pre-approval application, inspections, and more. 

Download Our Handy Checklist

Online Mortgage Center

Check out our Online Mortgage Center for helpful tips and if you're ready, you can start the application process right here.

You'll also find today's mortgage rates, the ability to check the status of your loan, and answers to just about any question that you may have about mortgages.

Online Mortgage Center


Payments are easy, too. They can be made at any of our branches, online, through your First Source mobile app,or by automatic deduction from your First Source checking account.

Have Questions?

During your entire process, we’re here for you to visit, or contact by phone, to answer your questions. Treat us as your personal mortgage resource. 

If you’re ready for a new home, Live Smarter and get started with your Mortgage Planning by submitting the form below, or call 315-735-8571 to make an appointment today.


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During the whole process, I felt like we were working as a team towards a common goal. I was very impressed with the level of professionalism.

— Jason (and Tanya) Hamshar
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Mortgage Loans

Check today’s mortgage loan rates effective May 13, 2021

Apply for a Mortgage Now

*Annual percentage rate
Mortgages in New York State only. Information is based on a loan amount of $160,000, credit score above 740, and loan-to-value at or below 60%. Your actual annual percentage rate may be different. All rates are subject to change without notice.

If an escrow account is required or requested, the actual payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Rates are based on a purchase or no cash out refinance, cash out options may affect your rate.

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