Mortgage Center

Today's Rates

Conventional
30 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.556%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.500%  3.558%  0.000%
7 Year Adjustable Rate
 Rate  APR  Points
 3.500%  3.445%  0.000%
5 Year Adjustable Rate
 Rate  APR  Points
 3.375%  3.387%  0.000%

Personalized Quote

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Saratoga National Bank & Trust Company Benefits

Looking for personal assistance?

You can call or email one of our Mortgage Professionals to answer any of your questions or to ask for advice.

No cost pre-approvals!

We offer no cost pre-approvals, so you can shop for your home knowing that you can afford the mortgage.

Confused about which program to choose?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy-to-understand explanations of each program on the site and a Loan Specialist is always just a call or email away!

Rate Watch

Keep an eye on rates via email. Sign up for Rate Watch.

Construction Loans

Building your dream home doesn't have to be just a dream. We have construction loan programs that will make it a reality.

Home Equity

Put your home to work for you with a home equity loan or line of credit.