Mortgages

Mortgages

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Fixed-Rate
A fixed-rate mortgage at Steuben Trust offers competitive fixed rates in a variety of terms to fit your needs. Fixed rates make budgeting easier and provide stability in a changing market because the interest rate and payments do not change over the life of the mortgage.

Adjustable-Rate
Steuben Trust offers competitive adjustable-rate mortgages that allow you to take advantage of favorable market conditions.

Only 5% Down
Your down payment can be as low as 5% of the purchase price or appraised value, whichever is lower, if you purchase Private Mortgage Insurance.

Construction Loan
Construction and permanent financing all in one. Several draw options are available for new home construction.

Vacant Land Loan
Several options for land purchases with low down payment requirements.

Non-Conventional Property Loan
No Heat? No Basement? No Problem!

FHA Mortgage
Those who qualify can start with less down, even if you have less than perfect credit.

VA Mortgage
Eligible veterans or reservists and spouses can get 100% financing and lower costs.

Rural Development
Based on income, first-time home buyers can roll-in closing costs.

No Income Verification
Self-employed customers can benefit from loans with no verifications for income
or assets.

Bi-Weekly Payment Plan
With bi-weekly payments, paying one half of the usual monthly payment every two weeks reduces the life of your loan and significantly reduces your interest cost over the total term.

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