Real Estate Lending

When you're investing in commercial real-estate, you need a reliable relationship you can trust. We know the Upstate New York real-estate market and our financing options include fixed and adjustable rates with flexible amortizations.

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Permanent Mortgages on Investment and Owner-Occupied properties.

Construction Financing - for new construction and improvements.

Standby Letter of Credit - used as a guarantee of performance of defined terms where the Letter of Credit is only drawn upon in the event of non-performance of the contract. 

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Home Builders & Developers - We finance new construction and residential subdivisions.