The Bank of Castile

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The Bank of Castile
604 West Main Street
Arcade, NY 14009
Tel: 585-492-4200

Choose from a variety of programs to help make your dream of home ownership a reality . . .

Fixed Rate Programs

You can choose from several terms. Make regular monthly payments throughout the life of the loan. With our bi-weekly option, you can pay off your mortgage more quickly.

Adjustable Rate Programs

We have a wide selection of adjustable rate mortgages to offer you more affordability. Longer terms between rate adjustments give you many of the advantages of fixed rate mortgages.

Construction Loans

One loan - with one closing and fewer fees - does it all from start to finish. Funds are allocated during the construction period. The loan then converts to a permanent mortgage when construction is completed.

First Home Club

If you need to save money for a down payment, the First Home Club is for you. Offered in conjunction with Rural Opportunities, Inc., Community Action for Wyoming County, GVRPC, Sheen Housing and the Federal Home Loan Bank of New York, this savings plan provides matching funds to help your account grow quickly. This program is match funded 4:1 for a maximum of $7500 available for qualified buyers. You will be in your new home in no time. This account is subject to income qualifying guidelines.

SONYMA

As a participating SONYMA Lender, we are currently offering the Low Interest Rate & The Achieving the Dream mortgage programs. Both programs offer a below market rate with maximum financing for 1-4 family properties and manufactured homes. In addition, SONYMA will provide qualified borrowers with closing cost assistance of up to $5,000 that requires no monthly payment, is interest free, and is forgiven after 10 years. Income and purchase price limits apply. This program is for SONYMA qualified borrowers only.

Community One

Our Community One Program is an important part of our product menu, just as you, our customer, are an important part of our community. This product offers below market rates, reduced fees, maximum financing and higher qualifying ratios for eligible borrowers. This program is available for owner occupied 1-2 family purchase transactions. Income limits apply.

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