Buffalo NY Mortgage Broker - Refinancing Home Mortgages Buffalo NY - Home Loans Buffalo NY (2024)

It’s no wonder why it is currently the second most populous city in New York! City attracts many tourists and new residents year round. Boasting a strong economy with an emphasis on the health care and education industries, it is a great place for a person of any age to consider home.

First Time Home Buyer Programs

If you’re a first-time homebuyer in Buffalo, NY, or just someone in need of a low down payment, both FHA and VA loans offer real advantages over Conventional loans. We have many popular programs for first time home buyers in this area. Contact the loan consultant to find out if you qualify for this program.

Mortgage Programs

What does this house hold for you? To help us recommend the best mortgage for you, we’d like you to ask yourself some important questions:

1. Is this a dream home?
2. Is this a starter house that you plan to live in only two to three years?
3. Will there be a possible relocation within the next five years?

Share your answers with us, and we’ll get you started on the program that fits you and your lifestyle.

Our loan officers will also help get the financing you need so that you can have that dream home you always wanted. We hope that you will contact us so that we may understand your unique needs and then present you with options tailored to meet those needs.

Home Equity Loans

Financing for needs such as college for your child, buying a new car, or paying off old hospital bills. We make it easy to capitalize on your house's equity with our Home Equity Loan in Buffalo NY and lines of credit. A home equity loan is a fixed-rate and fixed-payment loan based on the available equity in your house. You get your money all at once and then pay it back in predictable, fixed monthly payments.

Artisan's team of financial professionals aggressively shops the market for every borrower. We take advantage of our strong relationships with a multitude of loan resources. We use the advanced software in the industry, our high volume allows us to offer the best rates, and our specialists take personal responsibility for their customers.

For homeowners who want to get the most house for the lowest initial payment, we offer a variety of adjustable-rate loans programs. Monthly payments on ARMs typically adjust every six months or once a year based on changes to a financial index, such as the one-year Treasury Security rate.

Your Local Broker in Erie County

Artisan Mortgage Company offers competitive refinancing rates and home loans in Buffalo NY throughout Erie County providing USDA, VA, FHA, construction and equity loans including first time home buyer programs in cities of:

• Cheektowaga
• Tonawanda
• Hamburg
• Lancaster
• West Seneca
• Clarence
• Orchard Park
• Lackawanna
• Grand Island

FHA Loan

Unlike traditional fixed-rate loans, FHA loan in Buffalo NY offer lower down payments, lower interest rates, and potential savings from tax credits. The FHA loan lending specialists at Artisan Mortgage can help determine whether you may qualify for an Federal Housing Administration-insured loan. You can choose from many options including 5-year FHA ARM loans and 15-year FHA mortgages. Call any of our branch offices and ask for a consultant. Our folks will be happy to help you and answer any questions.

If you are in the market to buy or refinance a house, we will help to simplify the mortgage process to make it easier so you can enjoy that new home sooner. We will work with you to find ways to lower your closing costs and make this process easy so you can enjoy the excitement of buying, refinancing or building your perfect house.

Debt Consolidation

Are bills weighing you down? Climb out of debt and simplify your life by consolidating your high interest credit card bills, personal loans, and other liabilities into one lower, manageable payment!

Affordable Programs

We can help you select the right type of home loans and refinancing across the greater Buffalo NY area from a variety of available plans:

• Home Improvement Loan
• VA/Military Loan
• Cash Out Refinance
• Reverse Mortgage
• Bad Credit Home Loan
• 203k Loan
• 5/1 ARM
• HARP 2.0
• Construction Loans
• 15 Year Fixed Rate

When you apply for a mortgage or refinancing at any of our convenient locations, you talk directly with a officer who has the authority to make a decision quickly. There is no need to wait on approval from someone you've never met at a remote office in another state, a process that may take several days.

Adjustable Rate Mortgage

It's important to select a program that will match the length of time you plan to remain in your house because the initial interest on your loan increases in proportion to the length of time the rate remains fixed.

Credit Score and Reports

In the United States three credit bureaus monitor and maintain reports on over 200 million active consumers. This data base keeps a record of personal information and history so that lenders can determine your creditworthiness.

The best score possible is 820, however only a very small percentage of the population actually achieves this score. Avoiding negative items on your report won’t necessarily give you maximum points.