Nathan Caster Assistant Vice President MLO# 1100939 Regional Lending Manager Loan Originator ncaster@ncsb.bank 518.317.7777
Come See Us! Let us help turn your dreams into reality!
Jenny Bradish
Robi Monica
Emily Moore
Loan Originator NMLS # 1806780 Jbradish@ncsb.bank 518.304.1101
Loan Originator NMLS # 21981597 rmonica@ncsb.bank 518.317.7778
Loan Originator NMLS # 2070850 emoore@ncsb.bank 518.314.6970
Saranac Lake Lending Office 68 Main Street Saranac Lake, NY 12953
Malone Lending Office 453 East Main Street Malone, NY 12953
Plattsburgh Lending Office 1 Broad Street Suite 3 Plattsburgh, NY 12901
Low Down Payment Options As low as 3% down** 10% down for vacation & secondary homes!**
FINANCING AVAILABLE Modular Homes Double Wides & Single Wides
In House Lending NO minimum credit score with 20% down! Loan decisions based on local underwriting Low or no closing cost options Satisfactory alternative credit accepted!
Purchase Plus Improvements Up to 80% of cost to purchase property PLUS cost of improvements OR as completed appraised value (whichever is the lesser amount)
Construction Loans Up to 80% of total cost of projects OR as completed appraised value (whichever is the lesser amount) Sweat equity is considered for approved owner builder towards the cost of the project ONE closing, NOT two
Home Equity Line of Credit Owner occupied residence ONLY Borrow up to 90% of equity based on your credit score Borrow up to $400,000
**Private Mortgage Insurance** (Information as of April 3, 2019)
ADIRONDACK LIVING REAL ESTATE GUIDE • MARCH/APRIL 2022 - 21
