Personal Banking

Mortgage Services

NMLS #409724

New or existing home, we have the loan

Buying a new home can be easier than you thought possible. Troy Bank & Trust’s mortgage professionals can help you find the loan that best fits—like the key to your new house. We make refinancing an existing home simple too.

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We make complicated matters easy

Whether you’re a first time home buyer or looking to downsize, we’re ready to help walk you through the process. At any point, you can e-mail or call us with questions you may have.

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Your versatile home for mortgages

We handle single-family purchases, refinances, second homes, investment property and construction loans. We offer conventional fixed and adjustable rate loans as well as VA, USDA loans, and brokered FHA.

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Rates vary daily and are subject to change without notice. All loans are subject to credit approval, verification, and collateral evaluation. Initial decision is subject to you meeting specific underwriting requirements and final approval will be based upon you satisfying those requirements. Loans originated by Troy Bank and Trust Company. This information is provided for illustrative purposes only and does not constitute an application. This notice does not guarantee loan approval, nor is it an offer or commitment to make a loan to you on the above terms. The APR, fees, and closing costs are all estimates based on Troy Bank and Trust Company’s normal and customary fees and typical tax and insurance costs in the stated property’s vicinity.