Home Refinancing Utica NY

Homeowners can apply for home refinancing, meaning they can get an entirely new mortgage on their home. This can be advantageous when mortgage interest rates fall below what they were when the original mortgage was taken out. This will result in lower payments and savings over the entire life of the loan. But homeowners must meet certain criteria before they can refinance; homeowners’ credit file will be reviewed, and a title report along with a report on liens on the property will be done, among other things, when the homeowner is going through the application process.

Partners Trust Bank
(315) 768-3000
233 Genesee St
Utica, NY
 
Americu Credit Union
(315) 339-2000
1916 Black River Blvd
Rome, NY
 
Adirondack Private Bank
(315) 734-1442
185 Genesee Street
UTICA, NY
Services
Mortgage Brokers

Bank of America - Genesee Street
(800) 432-1000
268 Genesee St
Utica, NY
Type
Banking Center
Services
Banking Center Services: Change Order, Commercial Deposits, Night Deposits
Outdoor ATM Services: Open 24 Hours, Talking ATM, Braille, Accepts Deposits, Drive Up, Deposit Image
Languages
English, Spanish, Chinese, Korean, French, Russian, Portuguese
Office Hours
Monday 9-4
Tuesday 9-4
Wednesday 9-4
Thursday 9-5
Friday 9-5
Saturday Closed
Sunday Closed

Citizens Bank - Utica Downtown
(315) 797-2150
266 Genesee Street
Utica, NY
Type
Branch
Office Hours
Mon: 9AM-4PM
Tue: 9AM-4PM
Wed: 9AM-4PM
Thu: 9AM-4PM
Fri: 9AM-5PM
Sat: na
Sun: na

Home Consultants Inc
(315) 737-7480
8574 Burmaster Rd
Clinton, NY
 
Rome Savings Bank
(315) 336-7300
100 W Dominick Street
Rome, NY
 
Adirondack Bank
(315) 736-6169
135 Oriskany Street West
UTICA, NY
Services
Mortgage Brokers

M And T Bank M And T Mortgage Corporation M And T Business Banking Center
(315) 793-3500
2 Business Park Court
Utica, NY
 
Citizens Bank - Utica / Wal-Mart
(315) 724-8780
710 Horatio St
Utica, NY
Type
Branch
Office Hours
Mon: 10AM-7PM
Tue: 10AM-7PM
Wed: 10AM-7PM
Thu: 10AM-7PM
Fri: 10AM-7PM
Sat: 10AM-4PM
Sun: 11AM-3PM

Opinion Corner
People in New York shared their opinions about Home Mortgage
Do you own or rent a home?
Own: 64%
Rent: 28%
Other: 6%
The recent credit crisis seems to have affected everyone. How has it affected you?
I have lost my home: 4%
I have had to downgrade my home: 6%
I am living paycheck to paycheck: 27%
I have eliminated some of my expenses in order to keep my home: 27%
It has not affected me: 28%
Other: 5%
What is the value of your house in relation to your outstanding mortgage?
I am in the red: 11%
I have some equity in my home: 53%
I own my home outright: 15%
I have no idea: 17%
Other: 1%
Have you been able to take advantage of the lower interest rates and refinance your mortgage?
Yes: 44%
I have tried but have not been successful: 22%
No: 32%
Have your savings/retirement funds been affected?
No, haven’t touched my savings/retirement: 51%
Yes, they were slightly affected: 30%
Yes, they were significantly affected/drained: 18%
Source: Survey.com