Ballston Spa National Bank - Stillwater, NY

Ballston Spa National Bank
159 River Road
Stillwater, NY 12170
Telephone: 518-664-3200
Fax: 518-664-1119

Welcome to Ballston Spa National Bank
For generations, BSNB has been right here, making life a little easier. With just the right combination of personal service and high tech convenience, we offer customers a wide range of products and services. Our highly experienced professionals are ready to serve you. Contact us by email or telephone - or visit us at any of our nine Saratoga County locations.

See for yourself what thousands of families and businesses have known since 1838. At BSNB, we're Your bank. Your way.

Mortgages and Home Equity

Homebuyer Privileges

BSNB has partnered with Genworth Financial to provide our borrowers with a program of discounts, rebates, and special offers that will save money and help with the expenses of home ownership. Along with providing rebates for major appliances, borrowers will also be able to receive discounts on:

Home improvement materials and supplies
Home security systems
Truck rentals
Home furnishings, electronics, window blinds, pet supplies, and more

When you work with a BSNB mortgage originator to purchase a home or refinance your existing home, you will receive instructions for accessing the discounts. To view participating retailers, and log in with your Lender Participation Code and Homebuyer Privileges ID, please click here.

Mortgages

Ballston Spa National Bank is committed to seeing you in your new home! You'll love our low minimum down payments.

We offer a variety of programs that can fit almost anyone's needs:

Conventional
FHA
Fixed and Variable Rates
Second Mortgages
Home Equity Lines
Refinance or Purchase
Investor Loans
Jumbo Loans
Construction Loans

Home Equity Line of Credit

By using the equity in your home, you can help finance most anything, from that new addition to your child's education.
Great for multiple borrowing needs over a period of time - without reapplying.
Access your line of credit by writing a check.
Low monthly payments are based on your outstanding balance.

Home Equity Loan

A one-time specific-use loan perfect for purchasing a new car, a dream vacation, or anything else you need or want.
Fixed monthly payments are easy to budget.

Fixed Choice Home Equity Line of Credit

This unique fixed rate line of credit gives you the flexibility of borrowing money as you need it without the worry of rising rates.
Make interest-only payments and borrow as you need to during the initial access period.
After the initial access period is over, pay off your loan using a term that you previously selected.
Enjoy peace of mind knowing what your interest rate is, and will be, over the entire life of the loan.

Flex Choice Home Equity Line of Credit

This new line of credit comes with all of the benefits of a traditional home equity line of credit but also provides the option of making interest-only payments during the initial access period.
Choose from a variety of terms for the line that fits your needs.